282 Prospect Ave, West Springfield, MA 01089 Property Records

Hampden County and West Springfield Town City property record for 282 Prospect Ave, West Springfield, MA 01089

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,386 sqft · built 1954
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$196,000 (Apr 2017)
Tax Bill	$4,254 (2025)
Deeds & Mortgages	Feb 2021 Refinance Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`445-25650-0U-001`

Property Details

APN / Parcel Number

Primary APN	`445-25650-0U-001`
Alternative APN	`WSPR M:00445 B:25650 L:0000U`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,386 sqft Living Area
Gross Area	2,504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Bungalow
Exterior Material	Brick
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	10,000 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	445-25650-0U-001
Street Address	282 PROSPECT AVE
City	WEST SPRINGFIELD
State	MA
Zip	01089-4557
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	RALPH D & GRACE M CLEVELAND
Legal Block	25650
Legal Lot Number	U
Jurisdiction	WEST SPRINGFIELD MA
Township / Civil Division	WEST SPRINGFIELD TOWN
Census Block Group	1
Census Block	1009
Census Tract	812202

Owner

Source: Hampden County and West Springfield Town City records, as of April 14, 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	282 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4557
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES
Apr 27, 2017	Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2017 · Amount on Record
Deed Sale	Apr 27, 2017 · Amount on Record
Prior Sale	Aug 15, 2011 · Amount on Record
Deed Book / Page	21656 / 520
Transfer Doc	17047-495
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	282 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4557
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023711-184
Date	Feb 16, 2021
Book Page	23711/184
Instrument	10661

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	Apr 27, 2017
Property Address	282 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4557
Document Number	21656-520
Book / Page	21656 / 520
Instrument	22805
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30.96
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	216560523
Date	Apr 27, 2017
Instrument	21656/0523

Lender

Name	RESIDENTIAL MTG SVCS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 27, 2047

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
2025	$4,254.00 (+4.14%)	$286,100 (+3.73%) Land $113,600 Building $172,500	$310,080
2024	$4,085.00 (+8.5%)	$275,800 (+13.83%) Land $113,600 Building $162,200
2023	$3,765.00	$242,300 Land $113,600 Building $128,700

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

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	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 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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