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55 Elm Cir, West Springfield, MA 01089 Property Records

Hampden County and West Springfield Town City property record for 55 Elm Cir, West Springfield, MA 01089

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,628 sqft · built 1925
Lot Size0.199 acres (8,680 sqft)
OwnerIndividual Name on File
Last Sale$141,500 (May 2014)
Tax Bill$4,061 (2025)
Deeds & MortgagesMar 2023 Refinance
Jul 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN244-04900-49-001

Property Details

APN / Parcel Number

Primary APN244-04900-49-001
Alternative APN
  • WSPR M:00244 B:04900 L:00049

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,628 sqft Living Area
Gross Area3,581 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1925
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area8,680 sqft (0.199 acres)

Utilities, Heating & Cooling

Heating SystemSteam
Heating FuelOil

Location & Zoning

Account Number244-04900-49-001
Street Address55 ELM CIR
CityWEST SPRINGFIELD
StateMA
Zip01089-2607
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block4900
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 records · APN 244-04900-49-001

Assessment roll updated 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 Address55 ELM CIR, WEST SPRINGFIELD, MA 01089-2607
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 21, 2023Deed of Trust, Mortgage · Stand-Alone Refinance
BANK OF AMERICA NA
Jul 31, 2017Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 29, 2014 · Amount on Record
Deed SaleMay 29, 2014 · Amount on Record
Prior SaleNov 15, 2013 · Amount on Record
Deed Book / Page20295 / 344
Record UpdatedJun 08, 2026

March 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWEST SPRINGFIELD MA
Property Address55 ELM CIR, WEST SPRINGFIELD, MA 01089-2607
Transaction TypeMortgage
Record UpdatedApr 03, 2026
Title CompanyTITLE 365, TITLE365

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number024943-364
DateMar 21, 2023
Book Page24943/364
Instrument12448
Lender
NameBANK OF AMERICA NA
TypeBank
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueApr 01, 2053

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWEST SPRINGFIELD MA
Property Address55 ELM CIR, WEST SPRINGFIELD, MA 01089-2607
Document Number21798-81
Book / Page021798 / 000081
Instrument DateJul 31, 2017
Transaction TypeMortgage
Record UpdatedAug 22, 2017

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number21798-81
DateAug 04, 2017
Book Page021798/000081
Instrument44858
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueAug 03, 2037

Tax Assessment & Valuation

Source: Hampden County and West Springfield Town City records · Assessment roll updated 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$4,061.00 (+6.34%)$273,100 (+5.89%) Land $99,000 Building $174,100$288,325
2024$3,819.00 (+6.38%)$257,900 (+11.65%) Land $99,000 Building $158,900
2023$3,590.00$231,000 Land $96,900 Building $134,100

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
minimal risk
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 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

Based on FCC filings for 366 locations within half a mile of this property.

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.

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