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Single Family ResidenceResidential
$235,650$258 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $106,000 on Jul 31, 2003

45 RUBY RD

SPRINGFIELD, MA 01108
3
Beds
1
Baths
912 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1972
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$236K
$218K low$254K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$106,000 · Jul 31, 2003
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$120,650
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$96,520
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.47%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$115,000
ARRHA CU · recorded Feb 26, 2018

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,178 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$202,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$47,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$155,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$197,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$282,340

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyHAMPDEN
Lot (acres)The size of the land the home sits on, from county records.0.18
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(5)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Alice B Beal Elementary SchoolB-
Elementary · Grades PK–5 · 0.2 mi
H
Springfield High School
High · Grades 9–12 · 1.4 mi
M
Forest Park Middle SchoolD+
Middle · Grades 6–8 · 1.5 mi

District: Springfield School District

Neighborhood · ZIP 01108These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.117
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.101
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.59

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.25%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.27,287
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.8,028 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$54,338
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$72,673
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

45 Ruby Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 92% of homes in Hampden County
  • Costs more per square foot than 84% of homes in Springfield 01108
  • Smaller than 94% of homes in Springfield 01108
  • Has a smaller lot than 73% of homes in Hampden County
  • Newer than 93% of homes in Springfield 01108

What homes are worth in Springfield 01108

Each bar is how many homes fall in that price range. The marker is this home.

This home
$127K$501K

This home is worth more than 19% of homes in Springfield 01108.

How it measures up in Springfield 01108

The dot is this home. The mark in the middle is the typical home in Springfield 01108.

Estimated value$235,650
CheaperTypical $283,204Pricier

Pricier than 19% of homes nearby

Price per ft²$258
CheaperTypical $187Pricier

Pricier than 84% of homes nearby

Living area912 ft²
SmallerTypical 2,077 ft²Bigger

Bigger than 6% of homes nearby

Lot size0.18 ac
SmallerTypical 0.14 acBigger

Bigger than 71% of homes nearby

Year built1972
OlderTypical 1921Newer

Newer than 93% of homes nearby

How 45 Ruby Rd ranks against every home in each area.
MeasureThis homeSpringfield 01108Hampden County
Estimated valuepricier than$235,65019% of homes8% of homes
Price per ft²pricier than$25884% of homes60% of homes
Living areabigger than912 ft²6% of homes8% of homes
Lot sizebigger than0.18 ac71% of homes27% of homes
Year builtnewer than197293% of homes71% of homes

About 45 Ruby Rd

How much is 45 Ruby Rd, Springfield, MA worth?

The TopHap Estimate for 45 Ruby Rd, Springfield, MA is $235,650 as of Jul 14, 2026. The likely range is $217,619 to $253,681. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 Ruby Rd, Springfield, MA last sell?

45 Ruby Rd, Springfield, MA last sold on Jul 31, 2003 for $106,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 45 Ruby Rd, Springfield, MA?

45 Ruby Rd, Springfield, MA has 3 bedrooms, 1 bathrooms, 912 square feet of living space and a 0.18-acre lot.

When was 45 Ruby Rd, Springfield, MA built?

45 Ruby Rd, Springfield, MA was built in 1972, making it 54 years old. It is a ranch home. The building has 1 story.

What schools serve 45 Ruby Rd, Springfield, MA?

45 Ruby Rd, Springfield, MA is assigned to Alice B Beal Elementary School (elementary), rated B-; Springfield High School (high); Forest Park Middle School (middle), rated D+. All sit in Springfield School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 45 Ruby Rd, Springfield, MA compare to other homes in Springfield 01108?

Among the 6,026 homes in Springfield 01108, it is worth more than 19% of them ($235,650 against a typical $283,204), its price per square foot is higher than 84% of them ($258 against a typical $187), it is bigger than 6% of them (912 ft² against a typical 2,077 ft²), its lot is bigger than 71% of them (0.18 ac against a typical 0.14 ac) and it is newer than 93% of them (1972 against a typical 1921). Measured against all of Hampden County, it is worth more than 8% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 45 Ruby Rd, Springfield, MA?

The 2025 property tax bill for 45 Ruby Rd, Springfield, MA was $3,178. The county assessed it at $202,700.

Closest homes

More homes in Springfield 01108

Assigned schools

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