128 Silver St, West Springfield, MA 01089 Property Records

Hampden County and West Springfield Town City property record for 128 Silver St, West Springfield, MA 01089

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,095 sqft · built 1900
Lot Size	0.495 acres (21,580 sqft)
Owner	Individual Name on File
Last Sale	$191,000 (May 2017)
Tax Bill	$3,711 (2026)
Deeds & Mortgages	Sep 2026 Second Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`477-09350-58-001`

Property Details

APN / Parcel Number

Primary APN	`477-09350-58-001`
Alternative APN	`WSPR M:00477 B:09350 L:00058`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,095 sqft Living Area
Gross Area	2,189 sqft
Basement Area	646 sqft
Unfinished Basement	646 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,580 sqft (0.495 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	477-09350-58-001
Street Address	128 SILVER ST
City	WEST SPRINGFIELD
State	MA
Zip	01089-3157
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA2
Legal Block	9350
Legal Lot Number	58
Jurisdiction	WEST SPRINGFIELD MA
Township / Civil Division	WEST SPRINGFIELD TOWN
Census Block Group	2
Census Block	2006
Census Tract	812403

Owner

128 Silver St is owned and occupied by an individual who bought it in May 2017.

Source: Hampden County and West Springfield Town City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	128 SILVER ST, WEST SPRINGFIELD, MA 01089-3157
Occupancy	Owner Occupied
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
Sep 18, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage WESTFIELD BANK
Aug 8, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WESTFIELD BANK FSB
May 11, 2017	Quit Claim Deed, Transfer · FHA Mortgage PARAMOUNT RES MTG GP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2017 · Amount on File
Deed Sale	May 11, 2017 · Amount on File
Prior Sale	Oct 26, 2009 · Amount on File
Deed Document Number	201726041
Deed Book / Page	21677 / 134
Transfer Doc	021677-134
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	Sep 18, 2026
Property Address	128 SILVER ST, WEST SPRINGFIELD, MA 01089-3157
Document Number	0000045688
Book / Page	26515 / 149
Instrument Date	Sep 14, 2026
Instrument	202645688
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 SILVER ST, WEST SPRINGFIELD, MA 01089-3157

Mortgage

Document Number	0000045688,
Date	Sep 18, 2026
Book Page	26515/149
Instrument	202645688

Lender

Name	WESTFIELD BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 1, 2031

Interest

Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	128 SILVER ST, WEST SPRINGFIELD, MA 01089-3157
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025108-67
Date	Aug 8, 2023
Book Page	25108/67
Instrument	36662

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2033

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	May 11, 2017
Property Address	128 SILVER ST, WEST SPRINGFIELD, MA 01089-3157
Document Number	21677-134
Book / Page	21677 / 134
Instrument	26041
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28.42
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 SILVER ST, WEST SPRINGFIELD, MA 01089-3157

Mortgage

Document Number	216770136
Date	May 11, 2017
Instrument	21677/0136

Lender

Name	PARAMOUNT RES MTG GP

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 11, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 128 Silver St was $3,711, up 2.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,711.00 (+2.32%)	$264,700 (+8.53%) Land $99,300 Building $165,400	$284,079 (+7.41%)
2025	$3,627.00 (+6.11%)	$243,900 (+5.68%) Land $90,200 Building $153,700	$264,480
2024	$3,418.00 (+3.33%)	$230,800 (+8.41%) Land $90,200 Building $140,600
2023	$3,308.00	$212,900 Land $88,300 Building $124,600

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

Flood

FEMA maps place 128 Silver St 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

Wildfire risk around 128 Silver St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	WEST SPRINGFIELD DPW WATER DIVISION serves 28,835 people · EPA ID MA1325000
Water Source	Groundwater
Last State Inspection	May 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 330 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Whip City Fiber.

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