98 Bowles St, #100, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 98 Bowles St, #100, Springfield, MA 01109

Property Summary

Property Type	Duplex
Details	6 bd · 3 ba · 2,432 sqft · built 2021
Lot Size	0.115 acres (5,001 sqft)
Owner	2 Individual Names on File
Last Sale	$334,000 (Mar 2021)
Tax Bill	$5,979 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Jul 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:01692 P:0005`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:01692 P:0005`
Alternative APN	`16920005`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,432 sqft Living Area
1st Floor Area	1,216 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Lot Area	5,001 sqft (0.115 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	16920005
Street Address	98 BOWLES ST, 100
City	SPRINGFIELD
State	MA
Zip	01109-3502
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	2
Census Block	2004
Census Tract	801300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the McKnight District (Boundary Increase) listed 1986 · 476 contributing resources · NRIS 86002466

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

98 Bowles St, #100 is owned by two individuals who bought it in March 2021.

Source: Hampden County and Springfield City records, as of April 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	22 DRAPER ST, SPRINGFIELD, MA 01108-2909
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Quit Claim Deed, Transfer · FHA Mortgage INLAND BANK & TRUST
Jul 3, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2021 · Amount on File
Deed Sale	Mar 31, 2021 · Amount on File
Prior Sale	Jul 3, 2020 · Amount on File
Deed Document Number	202121839
Record Updated	Oct 29, 2026

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Mar 31, 2021
Property Address	98 BOWLES ST, SPRINGFIELD, MA 01109-3502
Document Number	0023798-24
Book / Page	23798 / 24
Instrument Date	Mar 31, 2021
Instrument	21839
Transaction Type	Transfer
Record Updated	May 13, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	22 DRAPER ST, SPRINGFIELD, MA 01108-2909

Mortgage

Document Number	0000021840
Date	Mar 31, 2021
Instrument	21840

Lender

Name	INLAND BANK & TRUST
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Mortgage

Document Number	0023798-41
Date	Mar 31, 2021
Book Page	23798/41
Instrument	21841

Lender

Name	INLAND BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Jul 3, 2020
Property Address	98 BOWLES ST, SPRINGFIELD, MA 01109-3502
Document Number	23296-426
Book / Page	023296 / 000426
Instrument Date	Jul 3, 2020
Instrument	35754
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$47.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	103 LEE ST EAST LONGMEADOW MA 010283133, EAST LONGMEADOW, MA 01028-3133

Tax Assessment & Valuation

The 2025 property tax bill for 98 Bowles St, #100 was $5,979.

Source: Hampden County and Springfield City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
Municipality	Springfield City
Unified School District	Springfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$5,979.00	$381,300 Land $24,600 Building $356,700
2023	$5,637.00	$330,600 Land $21,900 Building $308,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 98 Bowles St, #100 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 98 Bowles St, #100 has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPRINGFIELD WATER AND SEWER COMMISSION serves 169,170 people · EPA ID MA1281000
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	4 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids not recorded as resolved · Apr 2026 Total trihalomethanes not recorded as resolved · Oct 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 586 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75

May also be available: AT&T.

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