45 Tiara Ln, West Springfield, MA 01089 Property Records

Hampden County and West Springfield Town City property record for 45 Tiara Ln, West Springfield, MA 01089

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,709 sqft · built 2022
Lot Size	0.459 acres (20,000 sqft)
Owner	Individual Name on File
Last Sale	$142,000 (Aug 2021)
Tax Bill	$9,047 (2026)
Deeds & Mortgages	Jun 2025 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-00110-55-001`

Property Details

APN / Parcel Number

Primary APN	`12-00110-55-001`
Alternative APN	`WSPR M:00012 B:00110 L:55-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,709 sqft Living Area
Gross Area	5,209 sqft
Basement Area	1,186 sqft
Unfinished Basement	1,186 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,000 sqft (0.459 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	12-00110-55-001
Street Address	45 TIARA LN
City	WEST SPRINGFIELD
State	MA
Zip	01089-3272
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	110
Legal Lot Number	55-1
Jurisdiction	WEST SPRINGFIELD MA
Township / Civil Division	WEST SPRINGFIELD TOWN
Census Block Group	4
Census Block	4000
Census Tract	812401

Owner

45 Tiara Ln is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	45 TIARA LN, WEST SPRINGFIELD, MA 01089-3272
Occupancy	Owner Occupied
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
Jun 16, 2025	Deed of Trust, Mortgage · Line of Credit WESTFIELD BANK FSB
Oct 1, 2021	Deed of Trust, Mortgage · FHA Mortgage WESTFIELD BANK FSB
Aug 27, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WESTFIELD BANK FSB
Aug 22, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2021 · Amount on File
Deed Sale	Aug 27, 2021 · Amount on File
Deed Document Number	202160334
Deed Book / Page	24085 / 135
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	45 TIARA LN, WEST SPRINGFIELD, MA 01089-3272
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025902-115
Date	Jun 16, 2025
Book Page	25902/115
Instrument	26638

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2050

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	45 TIARA LN, WEST SPRINGFIELD, MA 01089-3272
Transaction Type	Mortgage
Record Updated	Jun 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024159-407
Date	Oct 1, 2021
Book Page	24159/407
Instrument	69712

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	373 Months
Due	Nov 1, 2052

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	Aug 27, 2021
Property Address	45 TIARA LN, WEST SPRINGFIELD, MA 01089-3272
Document Number	024085-135
Book / Page	24085 / 135
Instrument Date	Aug 27, 2021
Instrument	60334
Transaction Type	Transfer
Record Updated	Jun 2, 2023

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
Relationship	Tenants by the Entirety
Address	45 TIARA LN, WEST SPRINGFIELD, MA 01089-3272

Mortgage

Document Number	0000060335
Date	Aug 27, 2021
Instrument	60335

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	Aug 22, 2018
Property Address	45 TIARA LN, WEST SPRINGFIELD, MA 01089-3272
Document Number	22325-55
Book / Page	022325 / 000055
Instrument Date	Aug 21, 2018
Instrument	49917
Transaction Type	Transfer
Record Updated	Sep 11, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	17 TIARA LN WEST SPRINGFIELD MA 01089, WEST SPRINGFIELD, MA 01089

Tax Assessment & Valuation

The 2026 property tax bill for 45 Tiara Ln was $9,047, up 3% 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	$9,047.00 (+2.99%)	$645,300 (+9.24%) Land $163,600 Building $481,700	$615,972 (-1.62%)
2025	$8,784.00 (+9.8%)	$590,700 (+9.35%) Land $148,800 Building $441,900	$626,145
2024	$8,000.00 (+3.59%)	$540,200 (+8.69%) Land $148,800 Building $391,400
2023	$7,723.00	$497,000 Land $154,400 Building $342,600

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

Flood

FEMA maps place 45 Tiara Ln 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	4 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 45 Tiara Ln 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.

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.

Nearby Properties on Tiara Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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