22 Phillip Ave, Westfield, MA 01085 Property Records

Hampden County and Westfield City property record for 22 Phillip Ave, Westfield, MA 01085

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,360 sqft · built 1955
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Aug 2022)
Tax Bill	$5,473 (2026)
Deeds & Mortgages	Mar 2022 Refinance Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WFLD M:95 L:6`

Property Details

APN / Parcel Number

Primary APN	`WFLD M:95 L:6`
Alternative APN	`M:329095 B:00006 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,360 sqft Living Area
Gross Area	2,972 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	22 PHILLIP AVE
City	WESTFIELD
State	MA
Zip	01085-4724
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	1
Census Block	1026
Census Tract	812901

Owner

22 Phillip Ave is owned and occupied by an individual who bought it in August 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	22 PHILLIP AVE, WESTFIELD, MA 01085-4724
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance SCIENT FEDERAL CREDIT UNION
Aug 19, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage WESTFIELD BANK FSB
Oct 4, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage ENVISION BANK
Dec 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2022 · Amount on File
Deed Sale	Aug 19, 2022 · Amount on File
Prior Sale	Oct 4, 2019 · Amount on File
Deed Book / Page	24689 / 405
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	22 PHILLIP AVE, WESTFIELD, MA 01085-4724
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024439-34
Date	Mar 8, 2022
Book Page	24439/34
Instrument	14287

Lender

Name	SCIENT FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTFIELD MA
Recording Date	Aug 19, 2022
Property Address	22 PHILLIP AVE, WESTFIELD, MA 01085-4724
Document Number	024689-405
Book / Page	24689 / 405
Instrument Date	Aug 19, 2022
Instrument	50372
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 BUSH ST, WESTFIELD, MA 01085-3725

Mortgage

Document Number	0000050373
Date	Aug 19, 2022
Instrument	50373

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTFIELD MA
Recording Date	Oct 4, 2019
Property Address	22 PHILLIP AVE, WESTFIELD, MA 01085-4724
Document Number	22888-253
Book / Page	22888 / 253
Instrument Date	Sep 3, 2019
Instrument	57902
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 OHIO AVE, WEST SPRINGFIELD, MA 01089-2122

Mortgage

Document Number	57903
Date	Oct 4, 2019
Instrument	57903

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	22 PHILLIP AVE, WESTFIELD, MA 01085-4724
Document Number	21994-164
Instrument Date	Dec 14, 2017
Transaction Type	Mortgage
Record Updated	Mar 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	21994-164
Date	Dec 19, 2017
Book Page	021994/000164
Instrument	75160

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 18, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.99%

Tax Assessment & Valuation

The 2026 property tax bill for 22 Phillip Ave was $5,473, up 8.2% 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	$5,473.00 (+8.18%)	$366,600 (+9.99%) Land $117,400 Building $249,200	$360,443 (-14.47%)
2025	$5,059.00	$333,300 Land $114,000 Building $219,300	$421,420 (+11.88%)
2024			$376,675
2023	$4,958.00	$292,000 Land $98,600 Building $193,400

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

Flood

FEMA maps place 22 Phillip Ave in Zone X, an area of minimal 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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	28 units insured incl. 28 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

Wildfire risk around 22 Phillip Ave 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 263 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

Nearby Properties on Phillip Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures