22 Prospect St, West Springfield, MA 01089 Property Records

Hampden County and West Springfield Town City property record for 22 Prospect St, West Springfield, MA 01089

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,345 sqft · built 1910
Lot Size	0.131 acres (5,700 sqft)
Owner	Individual Name on File
Last Sale	$227,000 (Apr 2020)
Tax Bill	$4,052 (2025)
Deeds & Mortgages	Jul 2022 Refinance Apr 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`446-28500-64-001`

Property Details

APN / Parcel Number

Primary APN	`446-28500-64-001`
Alternative APN	`WSPR M:00446 B:28500 L:00064`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Stories	2 Stories
Building Area	2,345 sqft Living Area
Gross Area	3,417 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,700 sqft (0.131 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	446-28500-64-001
Street Address	22 PROSPECT ST
City	WEST SPRINGFIELD
State	MA
Zip	01089-3137
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	28500
Legal Lot Number	64
Jurisdiction	WEST SPRINGFIELD MA
Township / Civil Division	WEST SPRINGFIELD TOWN
Census Block Group	2
Census Block	2012
Census Tract	812403

Owner

22 Prospect St, a duplex, is owned and occupied by an individual who bought it in April 2020.

Source: Hampden County and West Springfield Town City records, as of April 29, 2026

Owner of Record	Individual Name on File
Mailing Address	22 PROSPECT ST, WEST SPRINGFIELD, MA 01089-3137
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
Jul 12, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA
Apr 7, 2026	Deed of Trust, Mortgage PIONEER VALLEY PO FEDERAL CREDIT UNION
Apr 23, 2020	Quit Claim Deed, Transfer · FHA Mortgage MORTGAGE NETWORK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2020 · Amount on File
Deed Sale	Apr 23, 2020 · Amount on File
Prior Sale	Dec 29, 2015 · Amount on File
Deed Document Number	2020520
Deed Book / Page	23180 / 5
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	22 PROSPECT ST, WEST SPRINGFIELD, MA 01089-3137
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024634-144
Date	Jul 12, 2022
Book Page	24634/144
Instrument	42047

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	Apr 7, 2026
Property Address	22 PROSPECT ST, WEST SPRINGFIELD, MA 01089-3137
Document Number	026281-295
Book / Page	26281 / 295
Instrument Date	Apr 2, 2026
Instrument	202614765
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 PROSPECT ST, WEST SPRINGFIELD, MA 01089-3137

Mortgage

Document Number	0000014765,
Date	Apr 7, 2026
Book Page	26281/295
Instrument	202614765

Lender

Name	PIONEER VALLEY PO FEDERAL CREDIT UNION

Agreement

Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate	6%
Max Rate	-1%

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	Apr 23, 2020
Property Address	22 PROSPECT ST, WEST SPRINGFIELD, MA 01089-3137
Document Number	23180-5
Book / Page	23180 / 5
Instrument Date	Apr 23, 2020
Instrument	20520
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	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 GALASKA DR, W SPRINGFIELD, MA 01089-4374

Mortgage

Document Number	20521
Date	Apr 23, 2020
Instrument	20521

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 22 Prospect St was $4,052, up 0.4% 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
2025	$4,052.00 (+0.4%)	$272,500 (-) Land $97,900 Building $174,600
2024	$4,036.00 (+3.73%)	$272,500 (+8.83%) Land $97,900 Building $174,600
2023	$3,891.00	$250,400 Land $95,700 Building $154,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 22 Prospect 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 22 Prospect 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	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	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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