221 River St, West Springfield, MA 01089 Property Records

Hampden County and West Springfield Town City property record for 221 River St, West Springfield, MA 01089

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,212 sqft · built 1930
Lot Size	0.103 acres (4,500 sqft)
Owner	Individual Name on File
Last Sale	$152,900 (Mar 2015)
Tax Bill	$3,547 (2026)
Deeds & Mortgages	Sep 2024 Refinance Jan 2026 Second Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`455-02950-04-001`

Property Details

APN / Parcel Number

Primary APN	`455-02950-04-001`
Alternative APN	`WSPR M:00455 B:02950 L:00004`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,212 sqft Living Area
Gross Area	2,818 sqft
Basement Area	756 sqft
Unfinished Basement	756 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,500 sqft (0.103 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	455-02950-04-001
Street Address	221 RIVER ST
City	WEST SPRINGFIELD
State	MA
Zip	01089-3607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BB1
Legal Block	2950
Legal Lot Number	4
Jurisdiction	WEST SPRINGFIELD MA
Township / Civil Division	WEST SPRINGFIELD TOWN
Census Block Group	2
Census Block	2012
Census Tract	812300

Owner

221 River St is owned and occupied by an individual who bought it in March 2015.

Source: Hampden County and West Springfield Town City records, as of October 20, 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	Individual Name on File
Mailing Address	221 RIVER ST, WEST SPRINGFIELD, MA 01089-3607
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK
Jan 20, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Oct 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Oct 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2015 · Amount on File
Deed Sale	Mar 13, 2015 · Amount on File
Prior Sale	Aug 7, 2013 · Amount on File
Deed Book / Page	20623 / 482
Transfer Doc	020623-482
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	221 RIVER ST, WEST SPRINGFIELD, MA 01089-3607
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025558-551
Date	Sep 3, 2024
Book Page	25558/551
Instrument	40586

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2049

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	221 RIVER ST, WEST SPRINGFIELD, MA 01089-3607
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026191-125
Date	Jan 20, 2026
Book Page	26191/125
Instrument	2443

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2046

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	221 RIVER ST, WEST SPRINGFIELD, MA 01089-3607
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024204-550
Date	Oct 26, 2021
Book Page	24204/550
Instrument	75857

Lender

Name	ROCKET MORTGAGE

Agreement

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

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	221 RIVER ST, WEST SPRINGFIELD, MA 01089-3607
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24204-550
Date	Oct 26, 2021
Book Page	24204/550
Instrument	75857

Lender

Name	ROCKET MORTGAGE

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 221 River St was $3,547, 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	$3,547.00 (+2.28%)	$253,000 (+8.49%) Land $93,000 Building $160,000	$272,993 (+13.67%)
2025	$3,468.00 (+8.21%)	$233,200 (+7.76%) Land $84,500 Building $148,700	$240,160
2024	$3,205.00 (+4.64%)	$216,400 (+9.79%) Land $84,500 Building $131,900
2023	$3,063.00	$197,100 Land $84,500 Building $112,600

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

Flood

FEMA maps place 221 River St in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 221 River 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 94% of the US · lower than 88% 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 285 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Nearby Properties on River St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures