Hampden County and West Springfield Town City property record for 432 Cold Spring Ave, West Springfield, MA 01089
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1 ba · 759 sqft · built 1943 |
| Lot Size | 3.28 acres (143,146 sqft) |
| Owner | Individual Name on File |
| Last Sale | $161,000 (Mar 2024) |
| Tax Bill | $2,274 (2026) |
| Deeds & Mortgages | Mar 2024 Mortgage Mar 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | C01-11043-20-001 |
| Primary APN | C01-11043-20-001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 759 sqft Living Area |
| Year Built | Built 1943 |
|---|---|
| Effective Year Built | Effective 1943 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 143,146 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | C01-11043-20-001 |
|---|---|
| Street Address | 432 COLD SPRING AVE |
| City | WEST SPRINGFIELD |
| State | MA |
| Zip | 01089-3712 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | BB1 |
| Legal Block | 11 |
| Legal Lot Number | 432 |
| Jurisdiction | WEST SPRINGFIELD MA |
| Township / Civil Division | WEST SPRINGFIELD TOWN |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 812300 |
432 Cold Spring Ave, a condominium, is owned by an individual who bought it in March 2024.
Source: Hampden County and West Springfield Town City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 669 ALLEN ST, SPRINGFIELD, MA 01118-2065 |
| 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.
| Date | Document |
|---|---|
| Mar 26, 2024 | Deed of Trust, Mortgage · Stand-Alone First Mortgage WAY FINDERS INC |
| Mar 26, 2024 | Warranty Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK |
| Oct 10, 2018 | Condominium Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 26, 2024 · Amount on File |
| Deed Sale | Mar 26, 2024 · Amount on File |
| Prior Sale | Oct 10, 2018 · Amount on File |
| Deed Document Number | 202412731 |
| Deed Book / Page | 25362 / 334 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST SPRINGFIELD MA |
| Property Address | 432 COLD SPRING AVE, WEST SPRINGFIELD, MA 01089-3712 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 025362-371 |
|---|---|
| Date | Mar 26, 2024 |
| Book Page | 25362/371 |
| Instrument | 12734 |
| Name | WAY FINDERS INC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WEST SPRINGFIELD MA |
| Recording Date | Mar 26, 2024 |
| Property Address | 432 COLD SPRING AVE, WEST SPRINGFIELD, MA 01089-3712 |
| Document Number | 025362-334 |
| Book / Page | 25362 / 334 |
| Instrument Date | Mar 26, 2024 |
| Instrument | 12731 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2024 |
| Amount | Amount 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 | 669 ALLEN ST, SPRINGFIELD, MA 01118-2065 |
| Document Number | 0000012732 |
|---|---|
| Date | Mar 26, 2024 |
| Instrument | 12732 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 025362-363 |
|---|---|
| Date | Mar 26, 2024 |
| Book Page | 25362/363 |
| Instrument | 12733 |
| Name | MASSACHUSETTS HOUSING PARTNERSHIP FUND |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | WEST SPRINGFIELD MA |
| Recording Date | Oct 10, 2018 |
| Property Address | 432 COLD SPRING AVE, WEST SPRINGFIELD, MA 01089-3712 |
| Document Number | 22395-356 |
| Book / Page | 022395 / 000356 |
| Instrument Date | Oct 5, 2018 |
| Instrument | 60700 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $320.85 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 89 HILLCREST CIR WESTFIELD MA 010851872, WESTFIELD, MA 01085-1872 |
The 2026 property tax bill for 432 Cold Spring Ave was $2,274, up 10.9% 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 | $2,274.00 (+10.87%) | $162,200 (+17.62%) Building $162,200 | $150,725 (+0.67%) |
| 2025 | $2,051.00 (+24.45%) | $137,900 (+23.9%) Building $137,900 | $149,720 |
| 2024 | $1,648.00 (+18.9%) | $111,300 (+24.78%) Building $111,300 | |
| 2023 | $1,386.00 | $89,200 Building $89,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 432 Cold Spring Ave in Zone X, where a levee reduces flood risk.
Source: FEMA National Flood Hazard Layer, effective June 7, 2023
| FEMA Flood Zone | Zone X reduced by levee · depends on levee performance |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 432 Cold Spring Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 187 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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