770 Prospect Ave, West Springfield, MA 01089 Property Records

Hampden County and West Springfield Town City property record for 770 Prospect Ave, West Springfield, MA 01089

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,228 sqft · built 2003
Lot Size	0.693 acres (30,203 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Jun 2020)
Tax Bill	$5,674 (2026)
Deeds & Mortgages	Apr 2018 Mortgage Sep 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`445-27809-0U-001`

Property Details

APN / Parcel Number

Primary APN	`445-27809-0U-001`
Alternative APN	`WSPR M:00445 B:27809 L:0000U`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,228 sqft Living Area
Gross Area	2,926 sqft
Basement Area	550 sqft
Unfinished Basement	550 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,203 sqft (0.693 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	445-27809-0U-001
Street Address	770 PROSPECT AVE
City	WEST SPRINGFIELD
State	MA
Zip	01089-4566
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	27809
Legal Lot Number	U
Jurisdiction	WEST SPRINGFIELD MA
Township / Civil Division	WEST SPRINGFIELD TOWN
Census Block Group	4
Census Block	4000
Census Tract	812401

Owner

770 Prospect Ave is owned and occupied by an individual who acquired it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	770 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4566
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Apr 30, 2018	Deed of Trust, Mortgage BANK OF AMERICA NA
Sep 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ACADEMY MORTGAGE CORP
Jul 20, 2021	Quit Claim Deed, Transfer Quitclaim
Jun 30, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FREEDOM CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2020 · Amount on File
Deed Sale	Jun 30, 2020 · Amount on File
Deed Document Number	202034760
Deed Book / Page	23288 / 567
Last Transfer Date	Jul 15, 2021
Transfer Doc	024011-162
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	770 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4566
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	022151-531
Date	Apr 30, 2018
Book Page	22151/531
Instrument	23018

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	770 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4566
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024132-535
Date	Sep 20, 2021
Book Page	24132/535
Instrument	66268

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	Jul 20, 2021
Property Address	770 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4566
Document Number	024011-162
Book / Page	24011 / 162
Instrument Date	Jul 15, 2021
Instrument	50486
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	770 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4566

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	Jun 30, 2020
Property Address	770 PROSPECT AVE, WEST SPRINGFIELD, MA 01089-4566
Document Number	023288-567
Book / Page	23288 / 567
Instrument Date	Jun 29, 2020
Instrument	34760
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	1494 WESTFIELD ST # 1, 1, W SPRINGFIELD, MA 01089-2021

Mortgage

Document Number	0000034761
Date	Jun 30, 2020
Instrument	34761

Lender

Name	FREEDOM CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 770 Prospect Ave was $5,674, up 1.7% from the year before.

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	$5,674.00 (+1.72%)	$404,700 (+7.89%) Land $160,400 Building $244,300	$407,529 (+17.05%)
2025	$5,578.00 (+0.16%)	$375,100 (-0.24%) Land $145,600 Building $229,500	$348,175
2024	$5,569.00 (+7.72%)	$376,000 (+13.01%) Land $145,600 Building $230,400
2023	$5,170.00	$332,700 Land $152,800 Building $179,900

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

Flood

FEMA maps place 770 Prospect Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 770 Prospect 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 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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