48 Zephyr Ln, Springfield, MA 01128 Property Records

Hampden County and Springfield City property record for 48 Zephyr Ln, Springfield, MA 01128

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,269 sqft · built 1976
Lot Size	0.351 acres (15,298 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Jul 2025)
Tax Bill	$5,510 (2026)
Deeds & Mortgages	Jul 2025 Sale Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:12615 P:0010`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:12615 P:0010`
Alternative APN	`126150010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,269 sqft Living Area
1st Floor Area	1,269 sqft
Game Room	Game Room

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	15,298 sqft (0.351 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	126150010
Street Address	48 ZEPHYR LN
City	SPRINGFIELD
State	MA
Zip	01128-1348
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	1
Census Block	1040
Census Tract	801604

Owner

48 Zephyr Ln is owned and occupied by an individual who bought it in July 2025.

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

Owner of Record	Individual Name on File
Mailing Address	48 ZEPHYR LN, SPRINGFIELD, MA 01128-1348
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2025	Warranty Deed, Transfer
Jun 10, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage WESTFIELD BANK FSB
Dec 15, 2017	Deed of Trust, Mortgage · Line of Credit WESTFIELD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2025 · Amount on File
Deed Sale	Jul 11, 2025 · Amount on File
Prior Sale	Jun 10, 2022 · Amount on File
Deed Book / Page	25937 / 534
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Jul 11, 2025
Property Address	48 ZEPHYR LN, SPRINGFIELD, MA 01128-1348
Document Number	025937-534
Book / Page	25937 / 534
Instrument Date	Jul 1, 2025
Instrument	31424
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount 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
Address	48 ZEPHYR LN, SPRINGFIELD, MA 01128-1348

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Jun 10, 2022
Property Address	48 ZEPHYR LN, SPRINGFIELD, MA 01128-1348
Document Number	024587-349
Book / Page	24587 / 349
Instrument Date	Jun 10, 2022
Instrument	35280
Transaction Type	Transfer
Record Updated	Jun 24, 2022

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	24 CHRISTOPHER LN, FEEDING HILLS, MA 01030-2616

Mortgage

Document Number	0000035281
Date	Jun 10, 2022
Instrument	35281

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jul 1, 2029
Max Rate At Change	3.5%
Index	3-Year CMT

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	48 ZEPHYR LN, SPRINGFIELD, MA 01128-1348
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21987-344
Date	Dec 15, 2017
Book Page	21987/344
Instrument	74210

Lender

Name	WESTFIELD BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 1, 2042

Tax Assessment & Valuation

The 2026 property tax bill for 48 Zephyr Ln was $5,510, up 6.1% from the year before.

Source: Hampden County and Springfield City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
Municipality	Springfield City
Unified School District	Springfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,510.00 (+6.12%)	$356,400 (+7.64%) Land $62,600 Building $293,800	$358,965 (+1.9%)
2025	$5,192.00	$331,100 Land $62,600 Building $268,500	$352,260 (-3.76%)
2024			$366,035
2023	$4,619.00	$270,900 Land $59,600 Building $211,300

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

Flood

FEMA maps place 48 Zephyr 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	1 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 48 Zephyr Ln 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 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPRINGFIELD WATER AND SEWER COMMISSION serves 169,170 people · EPA ID MA1281000
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	4 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids not recorded as resolved · Apr 2026 Total trihalomethanes not recorded as resolved · Oct 2022
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 373 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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