Hampden County and Westfield City property record for 11 Gold St, Westfield, MA 01085
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 3.5 ba · 2,013 sqft · built 1920 |
| Lot Size | 0.11 acres (4,800 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $372,000 (Dec 2023) |
| Tax Bill | $6,347 (2026) |
| Deeds & Mortgages | May 2022 Refinance Jan 2026 Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | WFLD M:20 L:113 |
| Primary APN | WFLD M:20 L:113 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,013 sqft Living Area |
| Gross Area | 3,556 sqft |
| Basement Area | 805 sqft |
| Unfinished Basement | 805 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,800 sqft (0.11 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 11 GOLD ST |
|---|---|
| City | WESTFIELD |
| State | MA |
| Zip | 01085-4414 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RB |
| Legal Lot Number | 113 |
| Jurisdiction | WESTFIELD MA |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 812600 |
Source: Hampden County and Westfield 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 38 LEXINGTON CIR, SOUTHWICK, MA 01077-9811 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 13, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance MONSON SAVINGS BANK |
| Jan 5, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage RADIUS FINANCIAL GROUP |
| Dec 11, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage RADIUS FINANCIAL GROUP |
| Feb 1, 2021 | Redemption Deed, Transfer |
| Jan 5, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2023 · Amount on Record |
| Deed Sale | Dec 11, 2023 · Amount on Record |
| Prior Sale | Jan 5, 2021 · Amount on Record |
| Deed Book / Page | 25256 / 318 |
| Last Transfer Date | Jan 5, 2026 |
| Transfer Doc | 026174-465 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 11 GOLD ST, WESTFIELD, MA 01085-4414 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|
| Document Number | 024545-548 |
|---|---|
| Date | May 13, 2022 |
| Book Page | 24545/548 |
| Instrument | 29292 |
| Name | MONSON SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2037 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Recording Date | Jan 5, 2026 |
| Property Address | 11 GOLD ST, WESTFIELD, MA 01085-4414 |
| Document Number | 026174-465 |
| Book / Page | 26174 / 465 |
| Instrument Date | Jan 5, 2026 |
| Instrument | 134 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 38 LEXINGTON CIR, SOUTHWICK, MA 01077-9811 |
| Document Number | 0000000135 |
|---|---|
| Date | Jan 5, 2026 |
| Instrument | 135 |
| Name | RADIUS FINANCIAL GROUP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Recording Date | Dec 11, 2023 |
| Property Address | 11 GOLD ST, WESTFIELD, MA 01085-4414 |
| Document Number | 025256-318 |
| Book / Page | 25256 / 318 |
| Instrument Date | Dec 11, 2023 |
| Instrument | 58671 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38 LEXINGTON CIR, SOUTHWICK, MA 01077-9811 |
| Document Number | 0000058672 |
|---|---|
| Date | Dec 11, 2023 |
| Instrument | 58672 |
| Name | RADIUS FINANCIAL GROUP |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Redemption Deed |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Recording Date | Feb 1, 2021 |
| Property Address | 11 GOLD ST, WESTFIELD, MA 01085-4414 |
| Document Number | 23685-342 |
| Book / Page | 23685 / 342 |
| Instrument Date | Jan 22, 2021 |
| Instrument | 7247 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Recording Date | Jan 5, 2021 |
| Property Address | 11 GOLD ST, WESTFIELD, MA 01085-4414 |
| Document Number | 23630-416 |
| Book / Page | 23630 / 416 |
| Instrument Date | Dec 31, 2020 |
| Instrument | 555 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 135 PARKER ST, EAST LONGMEADOW, MA 01028-3064 |
Source: Hampden County and Westfield City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Westfield City |
| Unified School District | Westfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,347.00 (+11.59%) | $425,100 (+13.45%) Land $89,000 Building $336,100 | $385,493 |
| 2025 | $5,688.00 (+7.91%) | $374,700 (+20.72%) Land $93,100 Building $281,600 | |
| 2023 | $5,271.00 | $310,400 Land $80,600 Building $229,800 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 10 individual policies |
| Nearby Flood Policies | 30 units insured incl. 20 condo units |
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WESTFIELD DPWWATER DIVISION serves 41,094 people · EPA ID MA1329000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 83 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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