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76 Charles Ave, West Springfield, MA 01089 Property Records

Hampden County and West Springfield Town City property record for 76 Charles Ave, West Springfield, MA 01089

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 1,990 sqft · built 1925
Lot Size0.683 acres (29,734 sqft)
OwnerIndividual Name on File
Last Sale$245,000 (Jul 2020)
Tax Bill$4,758 (2026)
Deeds & MortgagesJul 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN184-05850-WG-001

Property Details

APN / Parcel Number

Primary APN184-05850-WG-001
Alternative APN
  • WSPR M:00184 B:05850 L:00WSG

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,990 sqft Living Area
Gross Area4,332 sqft
Basement Area840 sqft
Unfinished Basement840 sqft

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1925
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area29,734 sqft (0.683 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Account Number184-05850-WG-001
Street Address76 CHARLES AVE
CityWEST SPRINGFIELD
StateMA
Zip01089-2033
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRA2
Legal Block5850
Legal Lot NumberWSG
JurisdictionWEST SPRINGFIELD MA
Township / Civil DivisionWEST SPRINGFIELD TOWN
Census Block Group2
Census Block2012
Census Tract812401

Owner

76 Charles Ave is owned and occupied by an individual who bought it in July 2020.

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

Owner of RecordIndividual Name on File
Mailing Address76 CHARLES AVE, WEST SPRINGFIELD, MA 01089-2033
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 27, 2020 · Amount on File
Deed SaleJul 27, 2020 · Amount on File
Prior SaleJul 22, 2014 · Amount on File
Deed Book / Page23331 / 392
Prior Transfer DateJun 24, 2020
Prior Transfer Doc23331-392
Record UpdatedOct 29, 2026

July 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWEST SPRINGFIELD MA
Recording DateJul 27, 2020
Property Address76 CHARLES AVE, WEST SPRINGFIELD, MA 01089-2033
Document Number23331-392
Book / Page23331 / 392
Instrument DateJun 24, 2020
Instrument40436
Transaction TypeTransfer
Record UpdatedMay 11, 2021

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address275 SPIKENARD CIR, SPRINGFIELD, MA 01129-1521

Mortgage

Document Number40437
DateJul 27, 2020
Instrument40437
Lender
NameFREEDOM CU
TypeCredit Union
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 76 Charles Ave was $4,758, up 0.5% from the year before.

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

Property Jurisdictions

TypeName
StateMassachusetts
CountyHampden County
MunicipalityWest Springfield Town City
Unified School DistrictWest Springfield School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,758.00 (+0.55%)$339,400 (+6.66%) Land $122,800 Building $216,600$362,966 (-0.35%)
2025$4,732.00 (+6.48%)$318,200 (+6.03%) Land $111,500 Building $206,700$364,230
2024$4,444.00 (+6.67%)$300,100 (+11.94%) Land $111,500 Building $188,600
2023$4,166.00$268,100 Land $109,100 Building $159,000

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

Flood

FEMA maps place 76 Charles Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Nearby Flood Policies1 in force
Nearby Flood Claims2 (1979–1982)
Claims Outside the SFHA1 of 2
Most Recent ClaimJun 1982 · tidal / storm surge

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 76 Charles Ave is low, with a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond 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 SystemWEST SPRINGFIELD DPW WATER DIVISION
serves 28,835 people · EPA ID MA1325000
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, 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 309 locations within half a mile, as of December 31, 2025

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

May also be available: Whip City Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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