681 Prospect Ave, West Springfield, MA 01089 Property Records

Hampden County and West Springfield Town City property record for 681 Prospect Ave, West Springfield, MA 01089

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,942 sqft · built 1979
Lot Size	1.66 acres (72,689 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Mar 2022)
Tax Bill	$5,586 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`445-28104-0U-001`

Property Details

APN / Parcel Number

Primary APN	`445-28104-0U-001`
Alternative APN	`WSPR M:00445 B:28104 L:0000U`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,942 sqft Living Area
Gross Area	4,644 sqft
Basement Area	1,886 sqft
Unfinished Basement	1,886 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	72,689 sqft (1.66 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	445-28104-0U-001
Street Address	681 PROSPECT AVE
City	WEST SPRINGFIELD
State	MA
Zip	01089-4587
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	28104
Legal Lot Number	U
Jurisdiction	WEST SPRINGFIELD MA
Township / Civil Division	WEST SPRINGFIELD TOWN
Census Block Group	4
Census Block	4010
Census Tract	812401

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	681 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4587
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2026	Deed of Trust, Mortgage · Line of Credit WESTFIELD BANK FSB
Mar 29, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WESTFIELD BANK FSB
Aug 17, 2021	Fiduciary Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2022 · Amount on Record
Deed Sale	Mar 29, 2022 · Amount on Record
Prior Sale	Aug 17, 2021 · Amount on Record
Deed Book / Page	24473 / 60
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	681 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4587
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026207-364
Date	Feb 3, 2026
Book Page	26207/364
Instrument	4755

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2051

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	Mar 29, 2022
Property Address	681 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4587
Document Number	0024473-60
Book / Page	24473 / 60
Instrument Date	Mar 29, 2022
Instrument	18980
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	681 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4587

Mortgage

Document Number	0000018981
Date	Mar 29, 2022
Instrument	18981

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2021: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	Aug 17, 2021
Property Address	681 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4587
Document Number	24066-526
Book / Page	24066 / 526
Instrument Date	Aug 11, 2021
Instrument	57826
Transaction Type	Transfer
Record Updated	Sep 3, 2021

Transaction

Amount	Amount Recorded
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	263 QUARRY RD, WEST SPRINGFIELD, MA 01089-4573

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	$5,586.00 (+7.28%)	$398,400 (+13.76%) Land $138,200 Building $260,200	$347,371 (+1.46%)
2025	$5,207.00 (+0.56%)	$350,200 (+0.17%) Land $125,900 Building $224,300	$342,380
2024	$5,178.00 (+4.48%)	$349,600 (+9.63%) Land $125,900 Building $223,700
2023	$4,956.00	$318,900 Land $125,900 Building $193,000

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 minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

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.

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 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.

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