120 Pine St, Westfield, MA 01085 Property Records

Hampden County and Westfield City property record for 120 Pine St, Westfield, MA 01085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,418 sqft · built 1930
Lot Size	0.386 acres (16,830 sqft)
Owner	2 Individual Names on File
Last Sale	$190,500 (Nov 2018)
Tax Bill	$4,243 (2026)
Deeds & Mortgages	Jul 2020 Refinance Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WFLD M:209 L:106`

Property Details

APN / Parcel Number

Primary APN	`WFLD M:209 L:106`
Alternative APN	`M:329209 B:00106 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	1,418 sqft Living Area
Gross Area	3,124 sqft
Basement Area	667 sqft
Unfinished Basement	667 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,830 sqft (0.386 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	120 PINE ST
City	WESTFIELD
State	MA
Zip	01085-1044
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	106
Jurisdiction	WESTFIELD MA
Township / Civil Division	WESTFIELD
Census Block Group	2
Census Block	2010
Census Tract	812800

Owner

120 Pine St is owned and occupied by two individuals who bought it in November 2018.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	120 PINE ST, WESTFIELD, MA 01085-1044
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance RADIUS FINANCIAL GROUP
Nov 7, 2018	Warranty Deed, Transfer · Conventional with PMI NORWICH COM'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2018 · Amount on File
Deed Sale	Nov 7, 2018 · Amount on File
Deed Document Number	201866872
Deed Book / Page	22436 / 371
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	120 PINE ST, WESTFIELD, MA 01085-1044
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23332-279
Date	Jul 28, 2020
Book Page	23332/279
Instrument	40532

Lender

Name	RADIUS FINANCIAL GROUP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2040

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTFIELD MA
Recording Date	Nov 7, 2018
Property Address	120 PINE ST, WESTFIELD, MA 01085-1044
Document Number	22436-371
Book / Page	022436 / 000371
Instrument Date	Nov 1, 2018
Instrument	66872
Transaction Type	Transfer
Record Updated	Nov 28, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$885.82
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	120 PINE ST WESTFIELD MA 010851044, WESTFIELD, MA 01085-1044

Mortgage

Document Number	22436-373
Date	Nov 7, 2018
Book Page	022436/000373
Instrument	66873

Lender

Name	NORWICH COM'L

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 6, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 120 Pine St was $4,243, up 8.8% 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	$4,243.00 (+8.77%)	$284,200 (+10.58%) Land $95,600 Building $188,600	$292,775 (-5.41%)
2025	$3,901.00	$257,000 Land $100,000 Building $157,000	$309,510 (+6.58%)
2024			$290,415
2023	$3,627.00	$213,600 Land $86,700 Building $126,900

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

Flood

FEMA maps place 120 Pine St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 120 Pine St 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

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 243 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: T-Mobile, Verizon.

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