Hampden County and West Springfield Town City property record for 40 Field St, West Springfield, MA 01089
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,359 sqft · built 1910 |
| Lot Size | 0.093 acres (4,050 sqft) |
| Owner | Individual Name on File |
| Last Sale | $284,900 (Sep 2025) |
| Tax Bill | $3,816 (2026) |
| Deeds & Mortgages | Aug 2022 Refinance Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (reduced by levee) |
| APN | 260-05450-47-001 |
| Primary APN | 260-05450-47-001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,359 sqft Living Area |
| Gross Area | 2,227 sqft |
| Basement Area | 639 sqft |
| Unfinished Basement | 639 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 4,050 sqft (0.093 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 260-05450-47-001 |
|---|---|
| Street Address | 40 FIELD ST |
| City | WEST SPRINGFIELD |
| State | MA |
| Zip | 01089-2610 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Block | 5450 |
| Legal Lot Number | 47 |
| Jurisdiction | WEST SPRINGFIELD MA |
| Township / Civil Division | WEST SPRINGFIELD TOWN |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 812201 |
40 Field St is owned by an individual who bought it in September 2025.
Source: Hampden County and West Springfield Town City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 146 CHAPIN TER, SPRINGFIELD, MA 01107-1769 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Aug 31, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance WESTFIELD BANK FSB |
| Sep 12, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage LIBERTY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2025 · Amount on File |
| Deed Sale | Sep 12, 2025 · Amount on File |
| Prior Sale | Jun 28, 1996 · Amount on File |
| Deed Book / Page | 26023 / 304 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST SPRINGFIELD MA |
| Property Address | 40 FIELD ST, WEST SPRINGFIELD, MA 01089-2610 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 024705-148 |
|---|---|
| Date | Aug 31, 2022 |
| Book Page | 24705/148 |
| Instrument | 52672 |
| Name | WESTFIELD BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2037 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WEST SPRINGFIELD MA |
| Recording Date | Sep 12, 2025 |
| Property Address | 40 FIELD ST, WEST SPRINGFIELD, MA 01089-2610 |
| Document Number | 026023-304 |
| Book / Page | 26023 / 304 |
| Instrument Date | Sep 12, 2025 |
| Instrument | 42949 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 146 CHAPIN TER, SPRINGFIELD, MA 01107-1769 |
| Document Number | 0000042950 |
|---|---|
| Date | Sep 12, 2025 |
| Instrument | 42950 |
| Name | LIBERTY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.88% |
| Type Change Date | Oct 1, 2035 |
| Index | Other |
The 2026 property tax bill for 40 Field St was $3,816, 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 | $3,816.00 (+3.95%) | $272,200 (+10.25%) Land $103,000 Building $169,200 | $283,478 (+11.38%) |
| 2025 | $3,671.00 (+5.52%) | $246,900 (+5.11%) Land $93,600 Building $153,300 | $254,505 |
| 2024 | $3,479.00 (+16.67%) | $234,900 (+22.41%) Land $93,600 Building $141,300 | |
| 2023 | $2,982.00 | $191,900 Land $84,200 Building $107,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Field St in Zone X, where a levee reduces flood risk, though there have been 6 flood claims nearby since 1978.
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 reduced by levee · depends on levee performance |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 6 (1978–2019) |
| Claims Outside the SFHA | 5 of 6 |
| Most Recent Claim | Jul 2019 |
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 40 Field St is low, with less than 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 97% of the US · lower than 94% 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.
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 366 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 |
| AT&T Fixed Wireless | 100 / 20 |
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