640 Main St, West Springfield, MA 01089 Property Records

Hampden County and West Springfield Town City property record for 640 Main St, West Springfield, MA 01089

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,743 sqft · built 1900
Lot Size	0.119 acres (5,180 sqft)
Owner	Individual Name on Record
Last Sale	$232,000 (Feb 2022)
Tax Bill	$3,452 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Feb 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (reduced by levee)
APN	`362-03550-20-001`

Property Details

APN / Parcel Number

Primary APN	`362-03550-20-001`
Alternative APN	`WSPR M:00362 B:03550 L:00020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Stories	2 Stories
Building Area	1,743 sqft Living Area
Gross Area	3,655 sqft
Basement Area	823 sqft
Unfinished Basement	823 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	5,180 sqft (0.119 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	362-03550-20-001
Street Address	640 MAIN ST
City	WEST SPRINGFIELD
State	MA
Zip	01089-3949
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RC
Legal Block	3550
Legal Lot Number	20
Jurisdiction	WEST SPRINGFIELD MA
Township / Civil Division	WEST SPRINGFIELD TOWN
Census Block Group	5
Census Block	5002
Census Tract	812300

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	640 MAIN ST, WEST SPRINGFIELD, MA 01089-3949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 28, 2022	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 14, 2018	Deed of Trust, Mortgage MONSON SAVINGS BANK
Oct 15, 2019	Warranty Deed, Transfer · Conventional Mortgage HOLYOKE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2022 · Amount on Record
Deed Sale	Feb 28, 2022 · Amount on Record
Prior Sale	Oct 15, 2019 · Amount on Record
Deed Document Number	202212324
Deed Book / Page	24424 / 582
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	640 MAIN ST, WEST SPRINGFIELD, MA 01089-3949
Transaction Type	Mortgage
Record Updated	Oct 13, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0025166-91
Date	Sep 25, 2023
Book Page	25166/91
Instrument	45271

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Oct 1, 2052

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	Feb 28, 2022
Property Address	640 MAIN ST, WEST SPRINGFIELD, MA 01089-3949
Document Number	024424-582
Book / Page	24424 / 582
Instrument Date	Feb 28, 2022
Instrument	12324
Transaction Type	Transfer
Record Updated	Mar 11, 2022

Transaction

Amount	Amount Recorded
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
Address	509 WHITNEY AVE, HOLYOKE, MA 01040-2705

Mortgage

Document Number	0000012325
Date	Feb 28, 2022
Instrument	12325

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	640 MAIN ST, WEST SPRINGFIELD, MA 01089-3949
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22217-374
Date	Jun 14, 2018
Book Page	22217/374
Instrument	33064

Lender

Name	MONSON SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2033

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	Oct 15, 2019
Property Address	640 MAIN ST, WEST SPRINGFIELD, MA 01089-3949
Document Number	22901-488
Book / Page	022901 / 000488
Instrument Date	Oct 11, 2019
Instrument	59866
Transaction Type	Transfer
Record Updated	Oct 29, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$845.84
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60 SHERIDAN ST #R BOSTON MA 021301818, R, BOSTON, MA 02130-1818

Mortgage

Document Number	22901-490
Date	Oct 15, 2019
Book Page	022901/000490
Instrument	59867

Lender

Name	HOLYOKE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2049

Tax Assessment & Valuation

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	$3,452.00 (+5.99%)	$246,200 (+12.42%) Land $107,400 Building $138,800	$298,237
2025	$3,257.00 (+0.43%)	$219,000 (-) Land $97,600 Building $121,400
2024	$3,243.00 (+4.41%)	$219,000 (+9.55%) Land $97,600 Building $121,400
2023	$3,106.00	$199,900 Land $95,500 Building $104,400

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

Flood

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 reduced by levee · depends on levee performance
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 399 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

May also be available: AT&T.

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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