11 Gold St, Westfield, MA 01085 Property Records

Hampden County and Westfield City property record for 11 Gold St, Westfield, MA 01085

Property Summary

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`

Property Details

APN / Parcel Number

Primary APN	`WFLD M:20 L:113`
Alternative APN	`M:329020 B:00113 L:00000`

Interior

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

Exterior

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)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

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

Owner

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

Deeds, Mortgages & Sale History

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

Assessor's Deed Record

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

May 2022: Deed of Trust, Mortgage

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

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024545-548
Date	May 13, 2022
Book Page	24545/548
Instrument	29292

Lender

Name	MONSON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2037

January 2026: Quit Claim Deed, Transfer

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

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	38 LEXINGTON CIR, SOUTHWICK, MA 01077-9811

Mortgage

Document Number	0000000135
Date	Jan 5, 2026
Instrument	135

Lender

Name	RADIUS FINANCIAL GROUP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

December 2023: Warranty Deed, Transfer

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

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	38 LEXINGTON CIR, SOUTHWICK, MA 01077-9811

Mortgage

Document Number	0000058672
Date	Dec 11, 2023
Instrument	58672

Lender

Name	RADIUS FINANCIAL GROUP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2021: Redemption Deed, Transfer

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

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2021: Warranty Deed, Transfer

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

Transaction

Amount	Amount Recorded
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	135 PARKER ST, EAST LONGMEADOW, MA 01028-3064

Tax Assessment & Valuation

Source: Hampden County and Westfield City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
Municipality	Westfield City
Unified School District	Westfield School District (PK - 12)

Tax Bill & Assessment History

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.

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 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.

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	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	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

Violations Reported to EPA

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.

Internet Providers

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

11 Gold St, Westfield, MA 01085 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2026: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2021: Redemption Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

January 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Gold St

Nearby Streets

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