28 Smith Ave, West Springfield, MA 01089 Property Records

Hampden County and West Springfield Town City property record for 28 Smith Ave, West Springfield, MA 01089

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,259 sqft · built 1900
Lot Size	0.723 acres (31,480 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Nov 2021)
Tax Bill	$4,614 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jul 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`343-10150-59-001`

Property Details

APN / Parcel Number

Primary APN	`343-10150-59-001`
Alternative APN	`WSPR M:00343 B:10150 L:00059`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,259 sqft Living Area
Gross Area	4,337 sqft
Basement Area	1,152 sqft
Unfinished Basement	1,152 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	31,480 sqft (0.723 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	343-10150-59-001
Street Address	28 SMITH AVE
City	WEST SPRINGFIELD
State	MA
Zip	01089-3143
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Block	10150
Legal Lot Number	59
Jurisdiction	WEST SPRINGFIELD MA
Township / Civil Division	WEST SPRINGFIELD TOWN
Census Block Group	3
Census Block	3013
Census Tract	812403

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	28 SMITH AVE, WEST SPRINGFIELD, MA 01089-3143
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FREEDOM CU
Jul 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
Oct 15, 2018	Quit Claim Deed, Transfer · VA Mortgage NEW PENN FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2021 · Amount on Record
Deed Sale	Nov 30, 2021 · Amount on Record
Prior Sale	Oct 15, 2018 · Amount on Record
Deed Document Number	202184896
Deed Book / Page	24274 / 399
Record Updated	Oct 29, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	Nov 30, 2021
Property Address	28 SMITH AVE, WEST SPRINGFIELD, MA 01089-3143
Document Number	024274-399
Book / Page	24274 / 399
Instrument Date	Nov 30, 2021
Instrument	84896
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
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	28 SMITH AVE, WEST SPRINGFIELD, MA 01089-3143

Mortgage

Document Number	0000084897
Date	Nov 30, 2021
Instrument	84897

Lender

Name	FREEDOM CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	28 SMITH AVE, WEST SPRINGFIELD, MA 01089-3143
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23331-247
Date	Jul 27, 2020
Book Page	23331/247
Instrument	40412

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	Oct 15, 2018
Property Address	28 SMITH AVE, WEST SPRINGFIELD, MA 01089-3143
Document Number	22401-169
Book / Page	22401 / 169
Instrument	61544
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	22401-171
Date	Oct 15, 2018
Book Page	22401/171
Instrument	61545

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

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	$4,614.00 (+0.15%)	$329,100 (+6.23%) Land $103,300 Building $225,800	$350,004 (+0.14%)
2025	$4,607.00 (+5.96%)	$309,800 (+5.52%) Land $93,800 Building $216,000	$349,505
2024	$4,348.00 (+6.1%)	$293,600 (+11.34%) Land $93,800 Building $199,800
2023	$4,098.00	$263,700 Land $91,900 Building $171,800

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 98% of the US · lower than 96% 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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