Hampden County and West Springfield Town City property record for 686 Prospect Ave, West Springfield, MA 01089
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,219 sqft · built 1955 |
| Lot Size | 2.74 acres (119,734 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,631 (2026) |
| Deeds & Mortgages | Jul 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 445-27750-0U-001 |
| Primary APN | 445-27750-0U-001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,219 sqft Living Area |
| Gross Area | 3,378 sqft |
| Basement Area | 1,219 sqft |
| Unfinished Basement | 1,219 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 119,734 sqft (2.74 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 445-27750-0U-001 |
|---|---|
| Street Address | 686 PROSPECT AVE |
| City | WEST SPRINGFIELD |
| State | MA |
| Zip | 01089-4583 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | IP |
| Legal Block | 27750 |
| Legal Lot Number | U |
| Jurisdiction | WEST SPRINGFIELD MA |
| Township / Civil Division | WEST SPRINGFIELD TOWN |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 812202 |
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 | 686 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4583 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEST SPRINGFIELD MA |
| Property Address | 686 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4583 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 025932-342 |
|---|---|
| Date | Jul 8, 2025 |
| Book Page | 25932/342 |
| Instrument | 30692 |
| Name | WESTFIELD BANK FSB |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Aug 1, 2050 |
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 | $4,631.00 (+5.04%) | $330,300 (+11.4%) Land $143,800 Building $186,500 | $318,167 (+1.8%) |
| 2025 | $4,409.00 (+1.22%) | $296,500 (+0.82%) Land $131,500 Building $165,000 | $312,550 |
| 2024 | $4,356.00 (+3.37%) | $294,100 (+8.44%) Land $131,500 Building $162,600 | |
| 2023 | $4,214.00 | $271,200 Land $131,500 Building $139,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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: 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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