361 Prospect Ave, West Springfield, MA 01089 Property Records

Hampden County and West Springfield Town City property record for 361 Prospect Ave, West Springfield, MA 01089

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,060 sqft · built 1920
Lot Size	0.263 acres (11,456 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Apr 2026)
Tax Bill	$4,056 (2026)
Deeds & Mortgages	Jun 2023 Refinance Apr 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`445-26250-0U-001`

Property Details

APN / Parcel Number

Primary APN	`445-26250-0U-001`
Alternative APN	`WSPR M:00445 B:26250 L:0000U`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,060 sqft Living Area
Gross Area	2,667 sqft
Basement Area	684 sqft
Unfinished Basement	684 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	11,456 sqft (0.263 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	445-26250-0U-001
Street Address	361 PROSPECT AVE
City	WEST SPRINGFIELD
State	MA
Zip	01089-4558
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA1
Legal Block	26250
Legal Lot Number	U
Jurisdiction	WEST SPRINGFIELD MA
Township / Civil Division	WEST SPRINGFIELD TOWN
Census Block Group	1
Census Block	1011
Census Tract	812202

Owner

361 Prospect Ave is owned and occupied by an individual who bought it in April 2026.

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

Owner of Record	Individual Name on File
Mailing Address	361 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4558
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Jun 7, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WESTFIELD BANK FSB
Apr 24, 2024	Deed of Trust, Mortgage · Line of Credit PIONEER VALLEY POSTAL FEDERAL CREDIT UN
Apr 6, 2026	Quit Claim Deed, Transfer · Conventional Mortgage PEOPLES BANK HOLYOKE
Mar 22, 2022	Warranty Deed, Transfer · Stand-Alone Refinance EVOLVE BANK & TRUST
May 15, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage ENVISION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2026 · Amount on File
Deed Sale	Apr 6, 2026 · Amount on File
Prior Sale	May 15, 2019 · Amount on File
Deed Document Number	202614644
Deed Book / Page	26280 / 325
Prior Transfer Date	Mar 31, 2026
Prior Transfer Doc	026280-325
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	361 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4558
Transaction Type	Mortgage
Record Updated	Apr 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025033-370
Date	Jun 7, 2023
Book Page	25033/370
Instrument	25866

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2048

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	361 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4558
Transaction Type	Mortgage
Record Updated	Apr 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025392-565
Date	Apr 24, 2024
Book Page	25392/565
Instrument	17156

Lender

Name	PIONEER VALLEY POSTAL FEDERAL CREDIT UN

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	May 1, 2044

Interest

Rate Type	Adjustable Rate

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	Apr 6, 2026
Property Address	361 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4558
Document Number	026280-325
Book / Page	26280 / 325
Instrument Date	Mar 31, 2026
Instrument	2026.14644
Transaction Type	Transfer
Record Updated	Apr 30, 2026

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	361 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4558

Mortgage

Date	Apr 6, 2026

Lender

Name	PEOPLES BANK HOLYOKE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.01%
Max Rate	-1%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	Mar 22, 2022
Property Address	361 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4558
Document Number	024461-287
Book / Page	24461 / 287
Instrument Date	Mar 17, 2022
Instrument	17352
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	361 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4558

Mortgage

Document Number	0000017353
Date	Mar 22, 2022
Instrument	17353

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2042

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	May 15, 2019
Property Address	361 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4558
Document Number	22665-231
Book / Page	22665 / 231
Instrument Date	May 14, 2019
Instrument	25018
Transaction Type	Transfer
Record Updated	May 11, 2021

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	90 POMEROY LN, AMHERST, MA 01002-2907
Investor	Possibly a Property Investor

Mortgage

Document Number	25019
Date	May 15, 2019
Instrument	25019

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 361 Prospect Ave was $4,056, down 0.6% 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	$4,056.00 (-0.64%)	$289,300 (+5.39%) Land $126,000 Building $163,300	$312,992 (+13.73%)
2025	$4,082.00 (+5.45%)	$274,500 (+5.01%) Land $114,700 Building $159,800	$275,215
2024	$3,871.00 (+3.78%)	$261,400 (+8.92%) Land $114,700 Building $146,700
2023	$3,730.00	$240,000 Land $114,700 Building $125,300

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

Flood

FEMA maps place 361 Prospect Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 361 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.

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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