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Single Family ResidenceResidential
$198,223$180 / 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 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $20,000 on Nov 7, 2013

645 BAY ST

SPRINGFIELD, MA 01109
2
Beds
1
Baths
1,102 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.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
1925
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

$198K
$192K low$205K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$20,000 · Nov 7, 2013

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,623 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$105,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$31,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$73,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$107,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$218,815

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.0.14
HeatingThe type of heating system in the home.Steam
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

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
Margaret C Ells
Elementary · Grades PK–PK · 0.2 mi
M
STEM Middle AcademyD
Middle · Grades 6–8 · 0.5 mi
H
Springfield High School of Science and TechnologyF
High · Grades 9–12 · 0.6 mi

District: Springfield School District

Neighborhood · ZIP 01109These 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.120
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.95
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.58

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.12%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.21%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.30,719
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.5,746 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$42,209
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$60,328
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%

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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

645 Bay St 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 97% of homes in Hampden County
  • Costs less per square foot than 88% of homes in Hampden County
  • Smaller than 86% of homes in Bay
  • Has a smaller lot than 82% of homes in Hampden County
  • Older than 77% of homes in Hampden County

What homes are worth in Springfield 01109

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

This home
$178K$424K

This home is worth more than 6% of homes in Springfield 01109.

How it measures up in Springfield 01109

The dot is this home. The mark in the middle is the typical home in Springfield 01109.

Estimated value$198,223
CheaperTypical $265,451Pricier

Pricier than 6% of homes nearby

Price per ft²$180
CheaperTypical $209Pricier

Pricier than 35% of homes nearby

Living area1,102 ft²
SmallerTypical 1,528 ft²Bigger

Bigger than 25% of homes nearby

Lot size0.14 ac
SmallerTypical 0.14 acBigger

Bigger than 55% of homes nearby

Year built1925
OlderTypical 1924Newer

Newer than 55% of homes nearby

How 645 Bay St ranks against every home in each area.
MeasureThis homeBaySpringfield 01109Hampden County
Estimated valuepricier than$198,2237% of homes6% of homes3% of homes
Price per ft²pricier than$18051% of homes35% of homes12% of homes
Living areabigger than1,102 ft²14% of homes25% of homes21% of homes
Lot sizebigger than0.14 ac64% of homes55% of homes18% of homes
Year builtnewer than192569% of homes55% of homes23% of homes

About 645 Bay St

How much is 645 Bay St, Springfield, MA worth?

The TopHap Estimate for 645 Bay St, Springfield, MA is $198,223 as of Oct 21, 2026. The likely range is $191,743 to $204,703. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 645 Bay St, Springfield, MA last sell?

645 Bay St, Springfield, MA last sold on Nov 7, 2013 for $20,000, according to the county's recorded deed.

How big is 645 Bay St, Springfield, MA?

645 Bay St, Springfield, MA has 2 bedrooms, 1 bathrooms, 1,102 square feet of living space and a 0.14-acre lot.

When was 645 Bay St, Springfield, MA built?

645 Bay St, Springfield, MA was built in 1925, making it 101 years old. It is a ranch home. The building has 1 story.

What schools serve 645 Bay St, Springfield, MA?

645 Bay St, Springfield, MA is assigned to Margaret C Ells (elementary); STEM Middle Academy (middle), rated D; Springfield High School of Science and Technology (high), rated F. All sit in Springfield School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 645 Bay St, Springfield, MA compare to other homes in Springfield 01109?

Among the 6,512 homes in Springfield 01109, it is worth more than 6% of them ($198,223 against a typical $265,451), its price per square foot is higher than 35% of them ($180 against a typical $209), it is bigger than 25% of them (1,102 ft² against a typical 1,528 ft²), its lot is bigger than 55% of them (0.14 ac against a typical 0.14 ac) and it is newer than 55% of them (1925 against a typical 1924). Measured against all of Hampden County, it is worth more than 3% 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 645 Bay St, Springfield, MA?

The 2026 property tax bill for 645 Bay St, Springfield, MA was $1,623. The county assessed it at $105,000.

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