2 Tree Top Ln, Southwick, MA 01077 Property Records

Hampden County and Southwick Town property record for 2 Tree Top Ln, Southwick, MA 01077

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,818 sqft · built 1996
Lot Size	0.751 acres (32,705 sqft)
Owner	2 Individual Names on File
Last Sale	$248,100 (Dec 1995)
Tax Bill	$8,059 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SWIC M:099 B:000 L:003`

Property Details

APN / Parcel Number

Primary APN	`SWIC M:099 B:000 L:003`
Alternative APN	`M:000E B:0000 L:0576`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,818 sqft Living Area
Gross Area	5,452 sqft
1st Floor Area	1,422 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	32,705 sqft (0.751 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2 TREE TOP LN
City	SOUTHWICK
State	MA
Zip	01077-9351
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Lot Number	3
Jurisdiction	SOUTHWICK MA
Township / Civil Division	SOUTHWICK
Census Block Group	3
Census Block	3020
Census Tract	813101

Owner

2 Tree Top Ln is owned and occupied by two individuals who bought it in December 1995.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	2 TREE TOP LN, SOUTHWICK, MA 01077-9351
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2026	Deed of Trust, Mortgage POLISH NATIONAL CU
May 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONS LENDING CORP
Feb 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 1995 · Amount on File
Deed Sale	Dec 1, 1995 · Amount on File
Deed Book / Page	9324 / 386
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOUTHWICK MA
Property Address	2 TREE TOP LN, SOUTHWICK, MA 01077-9351
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026242-219
Date	Mar 6, 2026
Book Page	26242/219
Instrument	9620

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2046

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOUTHWICK MA
Property Address	2 TREE TOP LN, SOUTHWICK, MA 01077-9351
Transaction Type	Mortgage
Record Updated	Jun 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23893-85
Date	May 20, 2021
Book Page	23893/85
Instrument	34609

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOUTHWICK MA
Property Address	2 TREE TOP LN, SOUTHWICK, MA 01077-9351
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23100-462
Date	Feb 25, 2020
Book Page	23100/462
Instrument	10276

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2 Tree Top Ln was $8,059, up 4.5% from the year before.

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	$8,059.00 (+4.54%)	$517,600 (+3.87%) Land $82,600 Building $435,000	$575,225
2024	$7,709.00 (+8.88%)	$498,300 (+13.38%) Land $74,900 Building $423,400
2023	$7,080.00	$439,500 Land $74,900 Building $364,600

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

Flood

FEMA maps place 2 Tree Top Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2 Tree Top Ln is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	SOUTHWICK WATER DEPT serves 7,669 people · EPA ID MA1279000
Water Source	Purchased surface water from SPRINGFIELD WATER AND SEWER COMMISSION
Last State Inspection	Apr 2024
Lead	3 ppb (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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Tree Top Ln

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