1. Home
  2. Massachusetts
  3. Hampden County
  4. West Springfield
  5. Elm Cir

45 Elm Cir, West Springfield, MA 01089 Property Records

Hampden County and West Springfield Town City property record for 45 Elm Cir, West Springfield, MA 01089

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,350 sqft · built 1945
Lot Size0.17 acres (7,416 sqft)
OwnerIndividual Name on File
Last Sale$295,000 (Oct 2025)
Tax Bill$3,793 (2025)
Deeds & MortgagesOct 2025 Sale & Mortgage
Apr 2019 Mortgage
+ 1 more
Flood ZoneZone X (reduced by levee)
APN244-04850-49-001

Property Details

APN / Parcel Number

Primary APN244-04850-49-001
Alternative APN
  • WSPR M:00244 B:04850 L:00049

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories2 Stories
Building Area1,350 sqft Living Area
Gross Area2,449 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1945
Effective Year BuiltEffective 1945
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area7,416 sqft (0.17 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number244-04850-49-001
Street Address45 ELM CIR
CityWEST SPRINGFIELD
StateMA
Zip01089-2607
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block4850
Legal Lot Number49
JurisdictionWEST SPRINGFIELD MA
Township / Civil DivisionWEST SPRINGFIELD TOWN
Census Block Group1
Census Block1005
Census Tract812201

Owner

Source: Hampden County and West Springfield Town City assessment roll, APN 244-04850-49-001, as of April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address45 ELM CIR, WEST SPRINGFIELD, MA 01089-2607
OccupancyOwner Occupied
Owner TypeIndividual
VestingIndividual(s)

Deeds, Mortgages & Sale History

DateDocument
Oct 14, 2025Warranty Deed, Transfer · Conventional Mortgage
CMG MORTGAGE INC
Apr 22, 2019Deed of Trust, Mortgage · Conventional with PMI
PEOPLESBANK (HOLYOKE MA)
Aug 03, 2018Deed of Trust, Mortgage · Conventional Mortgage
PEOPLESBANK HOLYOKE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 14, 2025 · Amount on Record
Deed SaleOct 14, 2025 · Amount on Record
Prior SaleNov 16, 2018 · Amount on Record
Deed Book / Page26067 / 154
Record UpdatedJun 08, 2026

October 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWEST SPRINGFIELD MA
Recording DateOct 14, 2025
Property Address45 ELM CIR, WEST SPRINGFIELD, MA 01089-2607
Document Number026067-154
Book / Page26067 / 154
Instrument DateOct 14, 2025
Instrument48791
Transaction TypeTransfer
Record UpdatedApr 03, 2026

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 ELM CIR, WEST SPRINGFIELD, MA 01089-2607

Mortgage

Document Number0000048792
DateOct 14, 2025
Instrument48792
Lender
NameCMG MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2055

Mortgage

Document Number026067-178
DateOct 14, 2025
Book Page26067/178
Instrument48793
Lender
NameCMG MORTGAGE INC
TypeMortgage Company
Agreement
TypeSecond Mortgage (Down Payment)
AmountAmount Recorded
Term181 Months
DueNov 01, 2040

April 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWEST SPRINGFIELD MA
Property Address45 ELM CIR, WEST SPRINGFIELD, MA 01089-2607
Document Number22635-66
Instrument DateApr 22, 2019
Transaction TypeMortgage
Record UpdatedMay 14, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address5 BOULEVARD PL WEST SPRINGFIELD MA 010893205, WEST SPRINGFIELD, MA 01089-3205

Mortgage

Document Number22635-66
DateApr 23, 2019
Book Page022635/000066
Instrument20473
Lender
NamePEOPLESBANK (HOLYOKE MA)
Agreement
TypeConventional with PMI
AmountAmount Recorded

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWEST SPRINGFIELD MA
Property Address45 ELM CIR, WEST SPRINGFIELD, MA 01089-2607
Document Number22304-109
Instrument DateAug 03, 2018
Transaction TypeMortgage
Record UpdatedAug 28, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 ELM CIR WEST SPRINGFIELD MA 010892607, WEST SPRINGFIELD, MA 01089-2607

Mortgage

Document Number22304-109
DateAug 08, 2018
Book Page022304/000109
Instrument46707
Lender
NamePEOPLESBANK HOLYOKE
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Hampden County and West Springfield Town City assessment roll as of April 14, 2026 · Last verified April 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyHampden County
MunicipalityWest Springfield Town City
Unified School DistrictWest Springfield School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,793.00 (+6.1%)$255,100 (+5.68%) Land $98,500 Building $156,600$267,235
2024$3,575.00 (+6.11%)$241,400 (+11.35%) Land $98,500 Building $142,900
2023$3,369.00$216,800 Land $96,400 Building $120,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hampden County (25013C), as of June 7, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250138122011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
reduced by levee · depends on levee performance
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims6 (1978–2019)
Claims Outside the SFHA5 of 6
Most Recent ClaimJul 2019

Wildfire

Wildfire RiskLow
lower than 97% of the US · lower than 94% of Massachusetts
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, 366 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MA1325000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemWEST SPRINGFIELD DPW WATER DIVISION
serves 28,835 people
Water SourceGroundwater
Last State InspectionMay 2023
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

Nearby Properties on Elm Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures