Hampden County and West Springfield Town City property record for 281 Prospect Ave, West Springfield, MA 01089
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,260 sqft · built 1961 |
| Lot Size | 0.56 acres (24,374 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,209 (2026) |
| Deeds & Mortgages | Sep 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 445-25500-0U-001 |
| Primary APN | 445-25500-0U-001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,260 sqft Living Area |
| Gross Area | 2,241 sqft |
| Basement Area | 840 sqft |
| Unfinished Basement | 840 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 24,374 sqft (0.56 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 445-25500-0U-001 |
|---|---|
| Street Address | 281 PROSPECT AVE |
| City | WEST SPRINGFIELD |
| State | MA |
| Zip | 01089-4557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA2 |
| Legal Block | 25500 |
| Legal Lot Number | U |
| Jurisdiction | WEST SPRINGFIELD MA |
| Township / Civil Division | WEST SPRINGFIELD TOWN |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 812202 |
281 Prospect Ave is owned and occupied by two individuals.
Source: Hampden County and West Springfield Town City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 281 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4557 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST SPRINGFIELD MA |
| Property Address | 281 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4557 |
| Document Number | 21873-390 |
| Instrument Date | Sep 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2018 |
| Name | Verified Name |
|---|
| Document Number | 21873-390 |
|---|---|
| Date | Sep 25, 2017 |
| Book Page | 021873/000390 |
| Instrument | 56479 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 24, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 281 Prospect Ave was $4,209, up 3.9% from the year before.
Source: Hampden County and West Springfield Town City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | West Springfield Town City |
| Unified School District | West Springfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,209.00 (+3.87%) | $300,200 (+10.17%) Land $135,300 Building $164,900 | $301,160 (+15.15%) |
| 2025 | $4,052.00 (-0.02%) | $272,500 (-0.44%) Land $122,800 Building $149,700 | $261,535 |
| 2024 | $4,053.00 (+5.93%) | $273,700 (+11.17%) Land $122,800 Building $150,900 | |
| 2023 | $3,826.00 | $246,200 Land $122,800 Building $123,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 281 Prospect Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1985.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1985–1999) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 1999 · rainfall accumulation |
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 risk around 281 Prospect Ave 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 141 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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