Hampden County and Westfield City property record for 20 Reed St, Westfield, MA 01085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,230 sqft · built 1954 |
| Lot Size | 0.689 acres (30,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $120,000 (May 1997) |
| Tax Bill | $5,258 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit Jul 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WFLD M:83 L:6 |
| Primary APN | WFLD M:83 L:6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,230 sqft Living Area |
| Gross Area | 3,312 sqft |
| Basement Area | 1,230 sqft |
| Unfinished Basement | 1,230 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,000 sqft (0.689 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 20 REED ST |
|---|---|
| City | WESTFIELD |
| State | MA |
| Zip | 01085-3417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 6 |
| Jurisdiction | WESTFIELD MA |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 812902 |
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 | 20 REED ST, WESTFIELD, MA 01085-3417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 19, 2026 | Deed of Trust, Mortgage · Line of Credit 360 FEDERAL CREDIT UNION |
| Jul 26, 2022 | Deed of Trust, Mortgage · Line of Credit 360 FCU |
| Dec 8, 2020 | Deed of Trust, Mortgage · Line of Credit 360 FCU |
| Apr 11, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage PIONEER VLY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 30, 1997 · Amount on Record |
| Deed Sale | May 30, 1997 · Amount on Record |
| Deed Book / Page | 9879 / 88 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Recording Date | May 19, 2026 |
| Property Address | 20 REED ST, WESTFIELD, MA 01085-3417 |
| Document Number | 026337-263 |
| Book / Page | 26337 / 263 |
| Instrument Date | May 5, 2026 |
| Instrument | 202622228 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 20 REED ST, WESTFIELD, MA 01085-3417 |
| Document Number | 0000022228, |
|---|---|
| Date | May 19, 2026 |
| Book Page | 26337/263 |
| Instrument | 202622228 |
| Name | 360 FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 20 REED ST, WESTFIELD, MA 01085-3417 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 024654-401 |
|---|---|
| Date | Jul 26, 2022 |
| Book Page | 24654/401 |
| Instrument | 45198 |
| Name | 360 FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 20 REED ST, WESTFIELD, MA 01085-3417 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23577-591 |
|---|---|
| Date | Dec 8, 2020 |
| Book Page | 23577/591 |
| Instrument | 72882 |
| Name | 360 FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Recording Date | Apr 11, 2017 |
| Property Address | 20 REED ST, WESTFIELD, MA 01085-3417 |
| Document Number | 21635-576 |
| Book / Page | 021635 / 000576 |
| Instrument Date | Apr 6, 2017 |
| Instrument | 18986 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 REED ST WESTFIELD MA 010853417, WESTFIELD, MA 01085-3417 |
| Document Number | 21635-578 |
|---|---|
| Date | Apr 11, 2017 |
| Book Page | 021635/000578 |
| Instrument | 18987 |
| Name | PIONEER VLY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 10, 2047 |
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 | $5,258.00 (+8.08%) | $352,200 (+9.89%) Land $138,000 Building $214,200 | $326,885 (-10.67%) |
| 2025 | $4,865.00 (+2.4%) | $320,500 (+14.55%) Land $132,600 Building $187,900 | $365,940 (+12.43%) |
| 2024 | $325,470 | ||
| 2023 | $4,751.00 | $279,800 Land $114,600 Building $165,200 |
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 |
|---|---|
| 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.
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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