31 Christopher Ter, West Springfield, MA 01089 Property Records

Hampden County and West Springfield Town City property record for 31 Christopher Ter, West Springfield, MA 01089

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,280 sqft · built 1986
Lot Size	0.773 acres (33,676 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Sep 2023)
Tax Bill	$6,755 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Nov 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`543-00001-IP-001`

Property Details

APN / Parcel Number

Primary APN	`543-00001-IP-001`
Alternative APN	`WSPR M:00543 B:00001 L:000IP`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,280 sqft Living Area
Gross Area	4,375 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,676 sqft (0.773 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	543-00001-IP-001
Street Address	31 CHRISTOPHER TER
City	WEST SPRINGFIELD
State	MA
Zip	01089-4521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA1
Legal Block	1
Legal Lot Number	IP
Jurisdiction	WEST SPRINGFIELD MA
Township / Civil Division	WEST SPRINGFIELD TOWN
Census Block Group	4
Census Block	4002
Census Tract	812202

Owner

31 Christopher Ter is owned by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	195 CHRISTOPHER TER, WEST SPRINGFIELD, MA 01089-4595
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
Sep 15, 2023	Fiduciary Deed, Transfer · Stand-Alone First Mortgage COUNTRY BANK
Nov 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance POINT DIGITAL FINANCE INC
Jan 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR
May 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2023 · Amount on File
Deed Sale	Sep 15, 2023 · Amount on File
Deed Book / Page	25156 / 7
Record Updated	Oct 29, 2026

September 2023: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	Sep 15, 2023
Property Address	31 CHRISTOPHER TER, WEST SPRINGFIELD, MA 01089-4521
Document Number	00025156-7
Book / Page	25156 / 7
Instrument Date	Sep 15, 2023
Instrument	43695
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	195 CHRISTOPHER TER, WEST SPRINGFIELD, MA 01089-4595

Mortgage

Document Number	0000043696
Date	Sep 15, 2023
Instrument	43696

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	31 CHRISTOPHER TER, WEST SPRINGFIELD, MA 01089-4521
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23517-555
Date	Nov 5, 2020
Book Page	23517/555
Instrument	65058

Lender

Name	POINT DIGITAL FINANCE INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	31 CHRISTOPHER TER, WEST SPRINGFIELD, MA 01089-4521
Document Number	22544-132
Instrument Date	Jan 28, 2019
Transaction Type	Mortgage
Record Updated	Feb 19, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 CHRISTOPHER TER WEST SPRINGFIELD MA 010894521, WEST SPRINGFIELD, MA 01089-4521

Mortgage

Document Number	22544-132
Date	Feb 1, 2019
Book Page	022544/000132
Instrument	6104

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 31, 2049

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	31 CHRISTOPHER TER, WEST SPRINGFIELD, MA 01089-4521
Document Number	21674-571
Book / Page	021674 / 000571
Instrument Date	May 2, 2017
Transaction Type	Mortgage
Record Updated	May 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21674-571
Date	May 10, 2017
Book Page	021674/000571
Instrument	25682

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 9, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 31 Christopher Ter was $6,755, up 1.7% 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	$6,755.00 (+1.75%)	$481,800 (+7.91%) Land $160,900 Building $320,900	$447,161 (+34.91%)
2025	$6,639.00 (+5.75%)	$446,500 (+5.33%) Land $148,600 Building $297,900	$331,455
2024	$6,278.00 (+1.92%)	$423,900 (+6.94%) Land $148,600 Building $275,300
2023	$6,160.00	$396,400 Land $164,500 Building $231,900

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

Flood

FEMA maps place 31 Christopher Ter in Zone X, an area of minimal flood risk.

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	2 in force

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

Wildfire risk around 31 Christopher Ter 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.

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 85 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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