12 Oak Ave, Westfield, MA 01085 Property Records

Hampden County and Westfield City property record for 12 Oak Ave, Westfield, MA 01085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,072 sqft · built 1951
Lot Size	0.164 acres (7,128 sqft)
Owner	2 Individual Names on File
Last Sale	$167,000 (Sep 2019)
Tax Bill	$4,213 (2026)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WFLD M:36 L:29`

Property Details

APN / Parcel Number

Primary APN	`WFLD M:36 L:29`
Alternative APN	`M:329036 B:00029 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,072 sqft Living Area
Gross Area	2,689 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,128 sqft (0.164 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	12 OAK AVE
City	WESTFIELD
State	MA
Zip	01085-4331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	29
Jurisdiction	WESTFIELD MA
Township / Civil Division	WESTFIELD
Census Block Group	1
Census Block	1011
Census Tract	812701

Owner

12 Oak Ave is owned and occupied by two individuals who bought it in September 2019.

Source: Hampden County and Westfield City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 OAK AVE, WESTFIELD, MA 01085-4331
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2019 · Amount on File
Deed Sale	Sep 16, 2019 · Amount on File
Prior Sale	Oct 5, 1988 · Amount on File
Deed Document Number	201953115
Deed Book / Page	22855 / 117
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTFIELD MA
Recording Date	Sep 16, 2019
Property Address	12 OAK AVE, WESTFIELD, MA 01085-4331
Document Number	22855-117
Book / Page	22855 / 117
Instrument Date	Sep 6, 2019
Instrument	53115
Transaction Type	Transfer
Record Updated	May 11, 2021

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
Address	154 FRANKLIN ST APT 3E, 3E, WESTFIELD, MA 01085-2265

Mortgage

Document Number	53116
Date	Sep 16, 2019
Instrument	53116

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 12 Oak Ave was $4,213, up 9.9% from the year before.

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	$4,213.00 (+9.89%)	$282,200 (+11.72%) Land $115,200 Building $167,000	$290,671 (+5.62%)
2025	$3,834.00	$252,600 Land $111,700 Building $140,900	$275,215 (+0.38%)
2024			$274,170
2023	$3,680.00	$216,700 Land $96,700 Building $120,000

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

Flood

FEMA maps place 12 Oak Ave in Zone X, an area of minimal flood risk.

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

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 12 Oak 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	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.

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 383 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
T-Mobile Fixed Wireless	100 / 20