Hampden County and Westfield City property record for 175 Western Cir, Westfield, MA 01085
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 982 sqft · built 1954 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Sep 2021) |
| Tax Bill | $4,815 (2026) |
| Deeds & Mortgages | Sep 2025 Line of Credit Oct 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WFLD M:83 L:23 |
| Primary APN | WFLD M:83 L:23 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 982 sqft Living Area |
| Gross Area | 2,669 sqft |
| Basement Area | 982 sqft |
| Unfinished Basement | 982 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 | 15,000 sqft (0.344 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 175 WESTERN CIR |
|---|---|
| City | WESTFIELD |
| State | MA |
| Zip | 01085-3422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 23 |
| Jurisdiction | WESTFIELD MA |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 812902 |
175 Western Cir is owned and occupied by an individual who acquired it in October 2021.
Source: Hampden County and Westfield City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 175 WESTERN CIR, WESTFIELD, MA 01085-3422 |
| 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 |
|---|---|
| Sep 10, 2025 | Deed of Trust, Mortgage · Line of Credit UMASS/FIVE COLLEGE FEDERAL CREDIT UNION |
| Oct 5, 2021 | Redemption Deed, Transfer |
| Sep 14, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 14, 2021 · Amount on File |
| Deed Sale | Sep 14, 2021 · Amount on File |
| Deed Document Number | 202164518 |
| Deed Book / Page | 24119 / 73 |
| Last Transfer Date | Oct 5, 2021 |
| Transfer Doc | 24165-172 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 175 WESTERN CIR, WESTFIELD, MA 01085-3422 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 026020-380 |
|---|---|
| Date | Sep 10, 2025 |
| Book Page | 26020/380 |
| Instrument | 42487 |
| Name | UMASS/FIVE COLLEGE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Redemption Deed |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Recording Date | Oct 5, 2021 |
| Property Address | 175 WESTERN CIR, WESTFIELD, MA 01085-3422 |
| Document Number | 24165-172 |
| Book / Page | 24165 / 172 |
| Instrument Date | Oct 5, 2021 |
| Instrument | 70469 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Recording Date | Sep 14, 2021 |
| Property Address | 175 WESTERN CIR, WESTFIELD, MA 01085-3422 |
| Document Number | 24119-73 |
| Book / Page | 24119 / 73 |
| Instrument Date | Sep 14, 2021 |
| Instrument | 64518 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 175 WESTERN CIR, WESTFIELD, MA 01085-3422 |
| Document Number | 64519 |
|---|---|
| Date | Sep 14, 2021 |
| Instrument | 64519 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 175 Western Cir was $4,815, up 8% 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 | $4,815.00 (+8.01%) | $322,500 (+9.81%) Land $130,500 Building $192,000 | $330,388 (+7.54%) |
| 2025 | $4,458.00 | $293,700 Land $125,600 Building $168,100 | $307,230 (+2.05%) |
| 2024 | $301,055 | ||
| 2023 | $4,349.00 | $256,100 Land $108,800 Building $147,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 175 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 175 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 194 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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