Hampden County and Westfield City property record for 16 Tow Path Ln, Westfield, MA 01085
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,129 sqft · built 2005 |
| Lot Size | 0.39 acres (17,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $285,000 (Aug 2009) |
| Tax Bill | $7,096 (2026) |
| Deeds & Mortgages | Jan 2026 Second Mortgage Feb 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WFLD M:116 L:7 |
| Primary APN | WFLD M:116 L:7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,129 sqft Living Area |
| Gross Area | 3,984 sqft |
| Basement Area | 1,116 sqft |
| Unfinished Basement | 1,116 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,000 sqft (0.39 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 16 TOW PATH LN |
|---|---|
| City | WESTFIELD |
| State | MA |
| Zip | 01085-4532 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 7 |
| Jurisdiction | WESTFIELD MA |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 812600 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 16 TOW PATH LN, WESTFIELD, MA 01085-4532 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 28, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage POLISH NATIONAL CU |
| Feb 6, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) POLISH NATIONAL CU |
| Feb 15, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) POLISH NATIONAL CU |
| Apr 22, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2009 · Amount on Record |
| Deed Sale | Aug 7, 2009 · Amount on Record |
| Prior Sale | Aug 7, 2009 |
| Deed Document Number | 200952372 |
| Deed Book / Page | 17930 / 383 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 16 TOW PATH LN, WESTFIELD, MA 01085-4532 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 026199-495 |
|---|---|
| Date | Jan 28, 2026 |
| Book Page | 26199/495 |
| Instrument | 3660 |
| Name | POLISH NATIONAL CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Feb 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 16 TOW PATH LN, WESTFIELD, MA 01085-4532 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2024 |
| Name | Verified Name |
|---|
| Document Number | 025312-276 |
|---|---|
| Date | Feb 6, 2024 |
| Book Page | 25312/276 |
| Instrument | 5100 |
| Name | POLISH NATIONAL CU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Mar 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 16 TOW PATH LN, WESTFIELD, MA 01085-4532 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 024406-596 |
|---|---|
| Date | Feb 15, 2022 |
| Book Page | 24406/596 |
| Instrument | 9703 |
| Name | POLISH NATIONAL CU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Mar 1, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 16 TOW PATH LN, WESTFIELD, MA 01085-4532 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 22633-530 |
|---|---|
| Date | Apr 22, 2019 |
| Book Page | 22633/530 |
| Instrument | 20258 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | May 1, 2024 |
Source: Hampden County and Westfield City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Westfield City |
| Unified School District | Westfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,096.00 (+9.51%) | $475,300 (+11.34%) Land $119,700 Building $355,600 | $548,988 (+17.05%) |
| 2025 | $6,480.00 (+0.64%) | $426,900 (+12.58%) Land $116,100 Building $310,800 | $469,015 (+6.33%) |
| 2024 | $441,085 | ||
| 2023 | $6,439.00 | $379,200 Land $100,600 Building $278,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 49 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 |
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