21 Gold St, Westfield, MA 01085 Property Records

Hampden County and Westfield City property record for 21 Gold St, Westfield, MA 01085

Property Summary

Property Type	Triplex
Details	4 bd · 3 ba · 2,280 sqft · built 2001
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Mar 2020)
Tax Bill	$4,887 (2026)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`WFLD M:20 L:147`

Property Details

APN / Parcel Number

Primary APN	`WFLD M:20 L:147`
Alternative APN	`M:329020 B:00147 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Units	3 Units
Stories	2 Stories
Building Area	2,280 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,000 sqft (0.207 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	21 GOLD ST
City	WESTFIELD
State	MA
Zip	01085-6407
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	RC
Legal Lot Number	147
Jurisdiction	WESTFIELD MA
Township / Civil Division	WESTFIELD
Census Block Group	2
Census Block	2002
Census Tract	812600

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	Individual Name on Record
Mailing Address	17 GOLD ST, WESTFIELD, MA 01085-4414
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2020 · Amount on Record
Deed Sale	Mar 3, 2020 · Amount on Record
Deed Document Number	202011882
Deed Book / Page	23112 / 16
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTFIELD MA
Recording Date	Mar 3, 2020
Property Address	21 GOLD ST, WESTFIELD, MA 01085-6407
Document Number	23112-16
Book / Page	23112 / 16
Instrument Date	Feb 27, 2020
Instrument	11882
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 GOLD ST, WESTFIELD, MA 01085-4414

Mortgage

Document Number	11883
Date	Mar 3, 2020
Instrument	11883

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Apr 1, 2030

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
2026	$4,887.00 (-0.87%)	$327,300 (+0.77%) Land $92,800 Building $234,500
2025	$4,930.00 (-1.1%)	$324,800 (+10.63%) Land $97,100 Building $227,700
2023	$4,985.00	$293,600 Land $84,100 Building $209,500

Assessed value is set for property tax purposes and is not a market price estimate.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 individual policies
Nearby Flood Policies	30 units insured incl. 20 condo units

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 83 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20