Hampden County and Westfield City property record for 164 Western Cir, Westfield, MA 01085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,048 sqft · built 1954 |
| Lot Size | 0.363 acres (15,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (Aug 2006) |
| Tax Bill | $4,684 (2026) |
| Deeds & Mortgages | Aug 2021 Refinance Aug 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WFLD M:83 L:19 |
| Primary APN | WFLD M:83 L:19 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,048 sqft Living Area |
| Gross Area | 2,580 sqft |
| 1st Floor Area | 983 sqft |
| Basement Area | 1,048 sqft |
| Unfinished Basement | 1,048 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,800 sqft (0.363 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 164 WESTERN CIR |
|---|---|
| City | WESTFIELD |
| State | MA |
| Zip | 01085-3423 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 19 |
| Jurisdiction | WESTFIELD MA |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 812902 |
164 Western Cir is owned and occupied by an individual who bought it in August 2006.
Source: Hampden County and Westfield City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 164 WESTERN CIR, WESTFIELD, MA 01085-3423 |
| 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.
| Date | Document |
|---|---|
| Aug 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance POLISH NATIONAL CU |
| Aug 16, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance POLISH NATIONAL CU |
| Nov 27, 2020 | Deed of Trust, Mortgage · Line of Credit POLISH NATIONAL CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 11, 2006 · Amount on File |
| Deed Sale | Aug 11, 2006 · Amount on File |
| Prior Sale | Jun 28, 1996 · Amount on File |
| Deed Document Number | 2006144641 |
| Deed Book / Page | 16115 / 433 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 164 WESTERN CIR, WESTFIELD, MA 01085-3423 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 24074-29 |
|---|---|
| Date | Aug 20, 2021 |
| Book Page | 24074/29 |
| Instrument | 58826 |
| Name | POLISH NATIONAL CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 164 WESTERN CIR, WESTFIELD, MA 01085-3423 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 22808-219 |
|---|---|
| Date | Aug 16, 2019 |
| Book Page | 22808/219 |
| Instrument | 46415 |
| Name | POLISH NATIONAL CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 164 WESTERN CIR, WESTFIELD, MA 01085-3423 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23558-324 |
|---|---|
| Date | Nov 27, 2020 |
| Book Page | 23558/324 |
| Instrument | 70432 |
| Name | POLISH NATIONAL CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 164 Western Cir was $4,684, up 7.9% from the year before.
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 | $4,684.00 (+7.85%) | $313,700 (+9.65%) Land $131,000 Building $182,700 | $336,969 (+1.26%) |
| 2025 | $4,343.00 | $286,100 Land $125,800 Building $160,300 | $332,785 (+0.43%) |
| 2024 | $331,360 | ||
| 2023 | $4,243.00 | $249,900 Land $109,000 Building $140,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 164 Western Cir in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1979.
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 |
| Nearby Flood Claims | 11 (1979–2011) |
| Claims Outside the SFHA | 2 of 11 |
| Most Recent Claim | Aug 2011 · Tropical Storm Irene |
| 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.
Wildfire risk around 164 Western Cir 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 | Direct burnable vegetation |
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 10 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 |
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