12 Whispering Wind Rd, Westfield, MA 01085 Property Records

Hampden County and Westfield City property record for 12 Whispering Wind Rd, Westfield, MA 01085

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 5,241 sqft · built 2005
Lot Size	0.547 acres (23,828 sqft)
Owner	2 Individual Names on Record
Last Sale	$795,000 (Jul 2018)
Tax Bill	$15,817 (2026)
Deeds & Mortgages	Oct 2020 Refinance Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WFLD M:17-R L:5 U:1-A`

Property Details

APN / Parcel Number

Primary APN	`WFLD M:17-R L:5 U:1-A`
Alternative APN	`M:329017 B:R0005 L:0001A`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	5,241 sqft Living Area
Gross Area	12,938 sqft
Basement Area	3,004 sqft
Unfinished Basement	3,004 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Contemporary
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,828 sqft (0.547 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	12 WHISPERING WIND RD
City	WESTFIELD
State	MA
Zip	01085-4381
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MODIFIED DEFINITIVE PLAN
Legal Lot Number	5
Jurisdiction	WESTFIELD MA
Township / Civil Division	WESTFIELD
Census Block Group	3
Census Block	3005
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	12 WHISPERING WIND RD, WESTFIELD, MA 01085-4381
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WESTFIELD BANK FSB
Jul 12, 2018	Quit Claim Deed, Transfer WESTFIELD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2018 · Amount on Record
Deed Sale	Jul 12, 2018 · Amount on Record
Prior Sale	Feb 22, 2008 · Amount on Record
Deed Book / Page	22261 / 600
Transfer Doc	022261-600
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	12 WHISPERING WIND RD, WESTFIELD, MA 01085-4381
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23497-574
Date	Oct 27, 2020
Book Page	23497/574
Instrument	62528

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTFIELD MA
Recording Date	Jul 12, 2018
Property Address	12 WHISPERING WIND RD, WESTFIELD, MA 01085-4381
Document Number	22261-600
Book / Page	22261 / 600
Instrument	39970
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 WHISPERING WIND RD, WESTFIELD, MA 01085-4381

Mortgage

Document Number	222620001
Date	Jul 12, 2018
Instrument	22262/0001

Lender

Name	WESTFIELD BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2048

Interest

Rate	3.63%
Max Rate At Change	80.1%
Max Rate	3.5%

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	$15,817.00 (+2.53%)	$1,059,400 (+4.24%) Land $157,000 Building $902,400	$900,649 (-10.91%)
2025	$15,427.00 (-5.41%)	$1,016,300 (+5.81%) Land $161,600 Building $854,700	$1,010,990 (+2.77%)
2024			$983,725
2023	$16,309.00	$960,500 Land $139,900 Building $820,600

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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	8 (1982–2020)
Most Recent Claim	Sep 2020 · other causes
Claims by Event	Tropical Storm Irene, Aug 2011 · 4 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 2 claims

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	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 166 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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