Hampden County and Westfield City property record for 20 State St, Westfield, MA 01085
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,244 sqft · built 1930 |
| Lot Size | 0.174 acres (7,590 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,266 (2026) |
| Deeds & Mortgages | May 2021 Refinance |
| Flood Zone | Zone X (moderate risk) |
| APN | WFLD M:14 L:63 |
| Primary APN | WFLD M:14 L:63 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,244 sqft Living Area |
| Gross Area | 3,910 sqft |
| Basement Area | 1,122 sqft |
| Unfinished Basement | 1,122 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Other |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,590 sqft (0.174 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 20 STATE ST |
|---|---|
| City | WESTFIELD |
| State | MA |
| Zip | 01085-3814 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RB |
| Legal Lot Number | 63 |
| Jurisdiction | WESTFIELD MA |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 812702 |
20 State St, a duplex, is owned and occupied by an individual.
Source: Hampden County and Westfield City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20 STATE ST, WESTFIELD, MA 01085-3814 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 20 STATE ST, WESTFIELD, MA 01085-3814 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23872-368 |
|---|---|
| Date | May 10, 2021 |
| Book Page | 23872/368 |
| Instrument | 31660 |
| Name | WESTFIELD BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
The 2026 property tax bill for 20 State St was $4,266, up 2.8% 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 | $4,266.00 (+2.82%) | $285,700 (+4.54%) Land $92,300 Building $193,400 | $307,859 |
| 2025 | $4,149.00 | $273,300 Land $96,500 Building $176,800 | |
| 2023 | $3,943.00 | $232,200 Land $83,600 Building $148,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 State St in Zone X, an area of moderate flood risk.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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 20 State St 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 | None beyond ember reach |
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 340 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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