12 Ridgeview Ter, Southwick, MA 01077 Property Records

Hampden County and Southwick Town property record for 12 Ridgeview Ter, Southwick, MA 01077

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,260 sqft · built 1996
Lot Size	1.45 acres (63,524 sqft)
Owner	2 Individual Names on Record
Last Sale	$369,400 (Jan 2018)
Tax Bill	$7,959 (2025)
Deeds & Mortgages	Jan 2025 Mortgage Jun 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SWIC M:153 B:000 L:024`

Property Details

APN / Parcel Number

Primary APN	`SWIC M:153 B:000 L:024`
Alternative APN	`M:000G B:0000 L:0022C`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,260 sqft Living Area
Gross Area	5,144 sqft
Basement Area	728 sqft
Unfinished Basement	2,096 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	63,524 sqft (1.45 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	12 RIDGEVIEW TER
City	SOUTHWICK
State	MA
Zip	01077-9352
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Lot Number	24
Jurisdiction	SOUTHWICK MA
Township / Civil Division	SOUTHWICK
Census Block Group	2
Census Block	2023
Census Tract	813102

Owner

Source: Hampden County and Southwick Town records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12 RIDGEVIEW TER, SOUTHWICK, MA 01077-9352
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2025	Deed of Trust, Mortgage · ARM WESTFIELD BANK FSB
Jun 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WESTFIELD BANK FSB
Jan 22, 2018	Warranty Deed, Transfer WESTFIELD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 22, 2018 · Amount on Record
Deed Sale	Jan 22, 2018 · Amount on Record
Prior Sale	Aug 16, 2002 · Amount on Record
Deed Document Number	20183718
Deed Book / Page	22034 / 558
Record Updated	Jun 8, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOUTHWICK MA
Property Address	12 RIDGEVIEW TER, SOUTHWICK, MA 01077-9352
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025725-13
Date	Jan 13, 2025
Book Page	25725/13
Instrument	1705

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Type Change Date	Feb 1, 2031

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOUTHWICK MA
Property Address	12 RIDGEVIEW TER, SOUTHWICK, MA 01077-9352
Transaction Type	Mortgage
Record Updated	Jun 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23914-8
Date	Jun 1, 2021
Book Page	23914/8
Instrument	37220

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2046

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SOUTHWICK MA
Recording Date	Jan 22, 2018
Property Address	12 RIDGEVIEW TER, SOUTHWICK, MA 01077-9352
Document Number	22034-558
Book / Page	22034 / 558
Instrument	3718
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$64.94
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 RIDGEVIEW TER, SOUTHWICK, MA 01077-9352

Mortgage

Document Number	220340561
Date	Jan 22, 2018
Instrument	22034/0561

Lender

Name	WESTFIELD BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 22, 2048

Tax Assessment & Valuation

Source: Hampden County and Southwick Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Southwick Town
Unified School District	Southwick-Tolland-Granville Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,959.00 (+4.59%)	$511,200 (+3.92%) Land $123,900 Building $387,300	$478,800
2024	$7,610.00 (+7.43%)	$491,900 (+11.87%) Land $103,500 Building $388,400
2023	$7,084.00	$439,700 Land $103,500 Building $336,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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