Hampden County and Westfield City property record for 28 Chestnut St, Westfield, MA 01085
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 2,724 sqft · built 1830 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Individual Name on File |
| Last Sale | $249,400 (Sep 2017) |
| Tax Bill | $5,773 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Aug 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WFLD M:64 L:30 |
| Primary APN | WFLD M:64 L:30 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,724 sqft Living Area |
| Gross Area | 4,783 sqft |
| Basement Area | 735 sqft |
| Unfinished Basement | 735 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1830 |
|---|---|
| Effective Year Built | Effective 1830 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 28 CHESTNUT ST |
|---|---|
| City | WESTFIELD |
| State | MA |
| Zip | 01085-2717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Lot Number | 30 |
| Jurisdiction | WESTFIELD MA |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 812701 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Westfield Center Historic District listed 2013 · 502 contributing resources · NRIS 13000441 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
28 Chestnut St is owned and occupied by an individual who bought it in September 2017.
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 | 28 CHESTNUT ST, WESTFIELD, MA 01085-2717 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2026 | Deed of Trust, Mortgage HOMESTEAD FUNDING CORP |
| Aug 19, 2021 | Deed of Trust, Mortgage · Line of Credit POLISH NATIONAL CU |
| Aug 19, 2021 | Deed of Trust, Mortgage · Line of Credit POLISH NATIONAL CU |
| Sep 20, 2017 | Quit Claim Deed, Transfer · Conventional with PMI PHH HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 20, 2017 · Amount on File |
| Deed Sale | Sep 20, 2017 · Amount on File |
| Prior Sale | Mar 19, 2007 · Amount on File |
| Deed Book / Page | 21865 / 452 |
| Transfer Doc | 021865-452 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 28 CHESTNUT ST, WESTFIELD, MA 01085-2717 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 026248-277 |
|---|---|
| Date | Mar 11, 2026 |
| Book Page | 26248/277 |
| Instrument | 10399 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 28 CHESTNUT ST, WESTFIELD, MA 01085-2717 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 024069-371 |
|---|---|
| Date | Aug 19, 2021 |
| Book Page | 24069/371 |
| Instrument | 58242 |
| Name | POLISH NATIONAL CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 28 CHESTNUT ST, WESTFIELD, MA 01085-2717 |
| Transaction Type | Mortgage |
| Record Updated | Sep 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 24069-371 |
|---|---|
| Date | Aug 19, 2021 |
| Book Page | 24069/371 |
| Instrument | 58242 |
| Name | POLISH NATIONAL CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Recording Date | Sep 20, 2017 |
| Property Address | 28 CHESTNUT ST, WESTFIELD, MA 01085-2717 |
| Document Number | 21865-452 |
| Book / Page | 021865 / 000452 |
| Instrument Date | Sep 18, 2017 |
| Instrument | 55345 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,159.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 24 FREDERICK ST WESTFIELD MA 010853106, WESTFIELD, MA 01085-3106 |
| Document Number | 21865-454 |
|---|---|
| Date | Sep 20, 2017 |
| Book Page | 021865/000454 |
| Instrument | 55346 |
| Name | PHH HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 19, 2047 |
The 2026 property tax bill for 28 Chestnut St was $5,773, up 11.4% 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 | $5,773.00 (+11.4%) | $386,700 (+13.27%) Land $95,000 Building $291,700 | $375,070 (-21.09%) |
| 2025 | $5,182.00 | $341,400 Land $99,600 Building $241,800 | $475,285 (+8.5%) |
| 2024 | $438,045 | ||
| 2023 | $4,748.00 | $279,600 Land $86,100 Building $193,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 28 Chestnut St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 7, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 28 Chestnut 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 | 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.
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 317 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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