12 Birch Bluff Rd, Montgomery (Westfield), MA 01085 Property Records

Hampden County and Montgomery Town property record for 12 Birch Bluff Rd, Montgomery, MA 01085

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,782 sqft · built 1985
Lot Size	2.18 acres (95,091 sqft)
Owner	2 Individual Names on Record
Last Sale	$358,000 (Aug 2020)
Tax Bill	$5,800 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:8 B:34 L:22`

Property Details

APN / Parcel Number

Primary APN	`M:8 B:34 L:22`
Alternative APN	`MONT M:8 B:3 L:22`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,782 sqft Living Area
Gross Area	7,426 sqft
Basement Area	1,576 sqft
Unfinished Basement	788 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	95,091 sqft (2.18 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	12 BIRCH BLUFF RD
City	MONTGOMERY
State	MA
Zip	01085-9504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3
Legal Lot Number	22
Jurisdiction	MONTGOMERY MA
Township / Civil Division	MONTGOMERY
Census Block Group	1
Census Block	1000
Census Tract	813002

Owner

Source: Hampden County and Montgomery Town records, as of July 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	12 BIRCH BLUFF RD, MONTGOMERY, MA 01085-9504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2020	Warranty Deed, Transfer · Conventional Mortgage FLORENCE BK
Apr 27, 2019	Deed of Trust, Mortgage · Line of Credit HOLYOKE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2020 · Amount on Record
Deed Sale	Aug 20, 2020 · Amount on Record
Deed Document Number	202046027
Deed Book / Page	23374 / 514
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY MA
Recording Date	Aug 20, 2020
Property Address	12 BIRCH BLUFF RD, MONTGOMERY, MA 01085-9504
Document Number	23374-514
Book / Page	023374 / 000514
Instrument Date	Aug 19, 2020
Instrument	46027
Transaction Type	Transfer
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,665.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 GOSS HILL RD HUNTINGTON MA 010509630, HUNTINGTON, MA 01050-9630

Mortgage

Document Number	23374-518
Date	Aug 20, 2020
Book Page	023374/000518
Instrument	46028

Lender

Name	FLORENCE BK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MA
Property Address	12 BIRCH BLUFF RD, MONTGOMERY, MA 01085-9504
Document Number	22649-505
Instrument Date	Apr 27, 2019
Transaction Type	Mortgage
Record Updated	May 21, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 BIRCH BLUFF RD MONTGOMERY MA 010859504, MONTGOMERY, MA 01085-9504

Mortgage

Document Number	22649-505
Date	May 2, 2019
Book Page	022649/000505
Instrument	22645

Lender

Name	HOLYOKE CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hampden County and Montgomery Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Montgomery Town
Unified School District	Gateway School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,800.00 (+7.81%)	$511,500 (+41.18%) Land $84,900 Building $426,600	$555,180 (+5.97%)
2024			$523,925
2023	$5,380.00	$362,300 Land $76,500 Building $285,800

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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