190 Joseph Ave, Westfield, MA 01085 Property Records

Hampden County and Westfield City property record for 190 Joseph Ave, Westfield, MA 01085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,088 sqft · built 1958
Lot Size	0.496 acres (21,624 sqft)
Owner	2 Individual Names on Record
Last Sale	$208,900 (Sep 2013)
Tax Bill	$4,978 (2026)
Deeds & Mortgages	Oct 2021 Line of Credit Nov 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`WFLD M:262 L:2`

Property Details

APN / Parcel Number

Primary APN	`WFLD M:262 L:2`
Alternative APN	`M:329262 B:00002 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,088 sqft Living Area
Gross Area	2,676 sqft
Basement Area	1,088 sqft
Unfinished Basement	1,088 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,624 sqft (0.496 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	190 JOSEPH AVE
City	WESTFIELD
State	MA
Zip	01085-1753
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Lot Number	2
Jurisdiction	WESTFIELD MA
Township / Civil Division	WESTFIELD
Census Block Group	5
Census Block	5019
Census Tract	812500

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	190 JOSEPH AVE, WESTFIELD, MA 01085-1753
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Deed of Trust, Mortgage · Line of Credit EASTHAMPTON SAVINGS BANK
Nov 25, 2019	Quit Claim Deed, Transfer · Stand-Alone Refinance EASTHAMPTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2013 · Amount on Record
Deed Sale	Sep 30, 2013 · Amount on Record
Prior Sale	Sep 30, 2013 · Amount on Record
Deed Book / Page	20037 / 340
Last Transfer Date	Nov 19, 2019
Transfer Doc	22969-534
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	190 JOSEPH AVE, WESTFIELD, MA 01085-1753
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024192-499
Date	Oct 20, 2021
Book Page	24192/499
Instrument	74281

Lender

Name	EASTHAMPTON SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2046

Interest

Rate Type	Adjustable Rate

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTFIELD MA
Recording Date	Nov 25, 2019
Property Address	190 JOSEPH AVE, WESTFIELD, MA 01085-1753
Document Number	22969-534
Book / Page	22969 / 534
Instrument Date	Nov 19, 2019
Instrument	69439
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 JOSEPH AVE, WESTFIELD, MA 01085-1753

Mortgage

Document Number	22969-536
Date	Nov 25, 2019
Book Page	22969/536
Instrument	69440

Lender

Name	EASTHAMPTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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	$4,978.00 (+7.87%)	$333,400 (+9.67%) Land $121,700 Building $211,700	$347,746 (-5.63%)
2025	$4,615.00 (+2.33%)	$304,000 (+14.46%) Land $118,300 Building $185,700	$368,505 (+5.84%)
2024			$348,175
2023	$4,510.00	$265,600 Land $102,300 Building $163,300

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
Nearby Flood Policies	9 in force
Nearby Flood Claims	6 (1980–2011)
Most Recent Claim	Aug 2011 · Tropical Storm Irene
Claims by Event	Tropical Storm Irene, Aug 2011 · 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	None beyond 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 56 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

Cell Coverage

5G (outdoors only) and 4G LTE

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