2 Laurel Ter, Westfield, MA 01085 Property Records

Hampden County and Westfield City property record for 2 Laurel Ter, Westfield, MA 01085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1957
Lot Size	0.285 acres (12,400 sqft)
Owner	Individual Name on File
Last Sale	$188,000 (May 2013)
Tax Bill	$4,310 (2026)
Deeds & Mortgages	Jul 2020 Refinance Sep 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WFLD M:122 L:24`

Property Details

APN / Parcel Number

Primary APN	`WFLD M:122 L:24`
Alternative APN	`M:329122 B:00024 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Gross Area	2,470 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,400 sqft (0.285 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	2 LAUREL TER
City	WESTFIELD
State	MA
Zip	01085-4504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	24
Jurisdiction	WESTFIELD MA
Township / Civil Division	WESTFIELD
Census Block Group	3
Census Block	3019
Census Tract	812600

Owner

2 Laurel Ter is owned and occupied by an individual who acquired it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2 LAUREL TER, WESTFIELD, MA 01085-4504
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Sep 22, 2021	Quit Claim Deed, Transfer Quitclaim
Jan 20, 2017	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2013 · Amount on File
Deed Sale	May 14, 2013 · Amount on File
Prior Sale	May 14, 2013 · Amount on File
Deed Book / Page	19819 / 416
Last Transfer Date	Aug 28, 2021
Transfer Doc	24136-515
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	2 LAUREL TER, WESTFIELD, MA 01085-4504
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00023344-2
Date	Jul 31, 2020
Book Page	23344/2
Instrument	41982

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTFIELD MA
Recording Date	Sep 22, 2021
Property Address	2 LAUREL TER, WESTFIELD, MA 01085-4504
Document Number	24136-515
Book / Page	24136 / 515
Instrument Date	Aug 28, 2021
Instrument	66795
Transaction Type	Transfer
Record Updated	Oct 8, 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
Relationship	Tenants by the Entirety
Address	2 LAUREL TER, WESTFIELD, MA 01085-4504

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	2 LAUREL TER, WESTFIELD, MA 01085-4504
Document Number	21545-404
Book / Page	021545 / 000404
Instrument Date	Jan 20, 2017
Transaction Type	Mortgage
Record Updated	Feb 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21545-404
Date	Jan 25, 2017
Book Page	021545/000404
Instrument	4400

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 2 Laurel Ter was $4,310, up 7.7% 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	$4,310.00 (+7.67%)	$288,700 (+9.48%) Land $117,600 Building $171,100	$315,236 (-10.46%)
2025	$4,003.00	$263,700 Land $114,000 Building $149,700	$352,070 (+0.32%)
2024			$350,930
2023	$3,902.00	$229,800 Land $98,700 Building $131,100

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

Flood

FEMA maps place 2 Laurel Ter in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1982.

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
Flood Insurance Cost	Premium on File 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	Tropical Storm Irene, Aug 2011 · 4 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 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

Wildfire risk around 2 Laurel Ter 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
Adjoins Burnable Land	Yes

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 241 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: Verizon.

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