86 Laurel Rd, West Springfield, MA 01089 Property Records

Hampden County and West Springfield Town City property record for 86 Laurel Rd, West Springfield, MA 01089

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,079 sqft · built 1948
Lot Size	0.263 acres (11,437 sqft)
Owner	Individual Name on Record
Last Sale	$252,000 (May 2019)
Tax Bill	$5,374 (2026)
Deeds & Mortgages	Jun 2021 Refinance Oct 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`349-09650-0T-001`

Property Details

APN / Parcel Number

Primary APN	`349-09650-0T-001`
Alternative APN	`WSPR M:00349 B:09650 L:0000T`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,079 sqft Living Area
Gross Area	4,566 sqft
Basement Area	600 sqft
Unfinished Basement	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	11,437 sqft (0.263 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	349-09650-0T-001
Street Address	86 LAUREL RD
City	WEST SPRINGFIELD
State	MA
Zip	01089-3004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA2
Legal Block	9650
Legal Lot Number	T
Jurisdiction	WEST SPRINGFIELD MA
Township / Civil Division	WEST SPRINGFIELD TOWN
Census Block Group	2
Census Block	2029
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	86 LAUREL RD, WEST SPRINGFIELD, MA 01089-3004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AXOS BANK
Oct 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
May 29, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2019 · Amount on Record
Deed Sale	May 29, 2019 · Amount on Record
Prior Sale	Apr 27, 1987 · Amount on Record
Deed Document Number	201927904
Deed Book / Page	22684 / 257
Transfer Doc	20182-227
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	86 LAUREL RD, WEST SPRINGFIELD, MA 01089-3004
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023967-319
Date	Jun 29, 2021
Book Page	23967/319
Instrument	44623

Lender

Name	AXOS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEST SPRINGFIELD MA
Property Address	86 LAUREL RD, WEST SPRINGFIELD, MA 01089-3004
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23482-275
Date	Oct 19, 2020
Book Page	23482/275
Instrument	23482

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Nov 1, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEST SPRINGFIELD MA
Recording Date	May 29, 2019
Property Address	86 LAUREL RD, WEST SPRINGFIELD, MA 01089-3004
Document Number	22684-257
Book / Page	22684 / 257
Instrument Date	May 29, 2019
Instrument	27904
Transaction Type	Transfer
Record Updated	May 11, 2021

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	201 OLD LYMAN RD, SOUTH HADLEY, MA 01075-2631

Mortgage

Document Number	27905
Date	May 29, 2019
Instrument	27905

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$5,374.00 (+2.13%)	$383,300 (+8.31%) Land $137,900 Building $245,400	$388,918 (+0.02%)
2025	$5,262.00 (+5.43%)	$353,900 (+5.01%) Land $125,500 Building $228,400	$388,835
2024	$4,991.00 (+4.48%)	$337,000 (+9.63%) Land $125,500 Building $211,500
2023	$4,777.00	$307,400 Land $125,500 Building $181,900

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1979–1982)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 181 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Whip City Fiber Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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