Hampden County and West Springfield Town City property record for 48 Mountain Ave, West Springfield, MA 01089
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,160 sqft · built 2015 |
| Lot Size | 0.459 acres (20,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $500,000 (Jun 2026) |
| Tax Bill | $6,899 (2026) |
| Deeds & Mortgages | Jan 2024 Mortgage Apr 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 456-13300-R3-001 |
| Primary APN | 456-13300-R3-001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,160 sqft Living Area |
| Gross Area | 3,652 sqft |
| Basement Area | 840 sqft |
| Unfinished Basement | 840 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,000 sqft (0.459 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 456-13300-R3-001 |
|---|---|
| Street Address | 48 MOUNTAIN AVE |
| City | WEST SPRINGFIELD |
| State | MA |
| Zip | 01089-1112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA2 |
| Legal Block | 13300 |
| Legal Lot Number | R3 |
| Jurisdiction | WEST SPRINGFIELD MA |
| Township / Civil Division | WEST SPRINGFIELD TOWN |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 812202 |
48 Mountain Ave is owned and occupied by an individual who bought it in June 2026.
Source: Hampden County and West Springfield Town City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 48 MOUNTAIN AVE, WEST SPRINGFIELD, MA 01089-1112 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Jan 31, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) HOME LOAN AND INVESTMENT BANK FSB |
| Apr 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance M & T BANK |
| Dec 27, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) ROCKET MORTGAGE |
| Jun 1, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage AMERICAN NBRHD MORTGAGE ACCPTNC |
| Feb 10, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance M & T BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2026 · Amount on File |
| Deed Sale | Jun 1, 2026 · Amount on File |
| Prior Sale | Mar 4, 2016 · Amount on File |
| Deed Document Number | 202624369 |
| Deed Book / Page | 26353 / 494 |
| Prior Transfer Date | May 21, 2026 |
| Prior Transfer Doc | 026353-494 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST SPRINGFIELD MA |
| Property Address | 48 MOUNTAIN AVE, WEST SPRINGFIELD, MA 01089-1112 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 025307-352 |
|---|---|
| Date | Jan 31, 2024 |
| Book Page | 25307/352 |
| Instrument | 4343 |
| Name | HOME LOAN AND INVESTMENT BANK FSB |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST SPRINGFIELD MA |
| Property Address | 48 MOUNTAIN AVE, WEST SPRINGFIELD, MA 01089-1112 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 023820-539 |
|---|---|
| Date | Apr 13, 2021 |
| Book Page | 23820/539 |
| Instrument | 24838 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST SPRINGFIELD MA |
| Property Address | 48 MOUNTAIN AVE, WEST SPRINGFIELD, MA 01089-1112 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 025708-299 |
|---|---|
| Date | Dec 27, 2024 |
| Book Page | 25708/299 |
| Instrument | 61281 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WEST SPRINGFIELD MA |
| Recording Date | Jun 1, 2026 |
| Property Address | 48 MOUNTAIN AVE, WEST SPRINGFIELD, MA 01089-1112 |
| Document Number | 026353-494 |
| Book / Page | 26353 / 494 |
| Instrument Date | May 21, 2026 |
| Instrument | 202624369 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 48 MOUNTAIN AVE, WEST SPRINGFIELD, MA 01089-1112 |
| Date | Jun 1, 2026 |
|---|
| Name | AMERICAN NBRHD MORTGAGE ACCPTNC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST SPRINGFIELD MA |
| Property Address | 48 MOUNTAIN AVE, WEST SPRINGFIELD, MA 01089-1112 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23079-563 |
|---|---|
| Date | Feb 10, 2020 |
| Book Page | 23079/563 |
| Instrument | 7220 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
The 2026 property tax bill for 48 Mountain Ave was $6,899, up 5.7% 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 | $6,899.00 (+5.67%) | $492,100 (+12.07%) Land $115,800 Building $376,300 | $476,283 (+1.36%) |
| 2025 | $6,529.00 (+8.67%) | $439,100 (+8.23%) Land $105,200 Building $333,900 | $469,870 |
| 2024 | $6,008.00 (+6.3%) | $405,700 (+11.55%) Land $105,200 Building $300,500 | |
| 2023 | $5,652.00 | $363,700 Land $103,000 Building $260,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Mountain Ave 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 | 7 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 risk around 48 Mountain 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.
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 172 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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