28 Laro Rd, Westfield, MA 01085 Property Records

Hampden County and Westfield City property record for 28 Laro Rd, Westfield, MA 01085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,144 sqft · built 1970
Lot Size	0.363 acres (15,831 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Aug 2022)
Tax Bill	$4,578 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WFLD M:143 L:46`

Property Details

APN / Parcel Number

Primary APN	`WFLD M:143 L:46`
Alternative APN	`M:329143 B:00046 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	2,544 sqft
Basement Area	1,144 sqft
Unfinished Basement	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,831 sqft (0.363 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	28 LARO RD
City	WESTFIELD
State	MA
Zip	01085-5016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	46
Jurisdiction	WESTFIELD MA
Township / Civil Division	WESTFIELD
Census Block Group	4
Census Block	4024
Census Tract	812600

Owner

28 Laro Rd 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 of Record	Individual Name on File
Mailing Address	28 LARO RD, WESTFIELD, MA 01085-5016
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA
May 20, 2021	Quit Claim Deed, Transfer · FHA Mortgage QUONTIC BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2022 · Amount on File
Deed Sale	Aug 5, 2022 · Amount on File
Prior Sale	May 20, 2021 · Amount on File
Deed Book / Page	24671 / 279
Prior Transfer Date	May 19, 2021
Prior Transfer Doc	23893-288
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTFIELD MA
Recording Date	Aug 5, 2022
Property Address	28 LARO RD, WESTFIELD, MA 01085-5016
Document Number	024671-279
Book / Page	24671 / 279
Instrument Date	Aug 5, 2022
Instrument	47683
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	28 LARO RD, WESTFIELD, MA 01085-5016

Mortgage

Document Number	0000047684
Date	Aug 5, 2022
Instrument	47684

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTFIELD MA
Recording Date	May 20, 2021
Property Address	28 LARO RD, WESTFIELD, MA 01085-5016
Document Number	23893-288
Book / Page	23893 / 288
Instrument Date	May 19, 2021
Instrument	34665
Transaction Type	Transfer
Record Updated	Jun 4, 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
Relationship	Joint Tenants
Address	131 N ELM ST, WESTFIELD, MA 01085-1612

Mortgage

Document Number	34666
Date	May 20, 2021
Instrument	34666

Lender

Name	QUONTIC BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 28 Laro Rd was $4,578, up 7.9% 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	$4,578.00 (+7.87%)	$306,600 (+9.66%) Land $119,000 Building $187,600	$337,645 (-3.58%)
2025	$4,244.00	$279,600 Land $115,400 Building $164,200	$350,170 (-3.56%)
2024			$363,090
2023	$4,119.00	$242,600 Land $100,100 Building $142,500

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

Flood

FEMA maps place 28 Laro Rd 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	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

Wildfire risk around 28 Laro Rd is low, with less than 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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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 138 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

May also be available: Verizon.

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