28 Smith Ave, Westfield, MA 01085 Property Records

Hampden County and Westfield City property record for 28 Smith Ave, Westfield, MA 01085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,134 sqft · built 1870
Lot Size	0.161 acres (7,000 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Apr 2024)
Tax Bill	$3,964 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`WFLD M:65 L:9`

Property Details

APN / Parcel Number

Primary APN	`WFLD M:65 L:9`
Alternative APN	`M:329065 B:00009 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,134 sqft Living Area
Gross Area	2,335 sqft
Basement Area	637 sqft
Unfinished Basement	637 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	28 SMITH AVE
City	WESTFIELD
State	MA
Zip	01085-2758
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	9
Jurisdiction	WESTFIELD MA
Township / Civil Division	WESTFIELD
Census Block Group	3
Census Block	3001
Census Tract	812701

Owner

28 Smith Ave is owned by two individuals who bought it in April 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	595 N MAIN ST, A, SUFFIELD, CT 06078-1642
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2024 · Amount on File
Deed Sale	Apr 1, 2024 · Amount on File
Deed Document Number	202413674
Deed Book / Page	25369 / 126
Record Updated	Oct 29, 2026

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTFIELD MA
Recording Date	Apr 1, 2024
Property Address	28 SMITH AVE, WESTFIELD, MA 01085-2758
Document Number	025369-126
Book / Page	25369 / 126
Instrument Date	Apr 1, 2024
Instrument	13674
Transaction Type	Transfer
Record Updated	Apr 19, 2024

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	Tenants by the Entirety
Address	595 N MAIN ST APT A, A, SUFFIELD, CT 06078-1642

Mortgage

Document Number	0000013675
Date	Apr 1, 2024
Instrument	13675

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 28 Smith Ave was $3,964, up 8.7% 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	$3,964.00 (+8.66%)	$265,500 (+10.49%) Land $92,100 Building $173,400	$259,224
2025	$3,648.00	$240,300 Land $96,300 Building $144,000
2024			$158,935
2023	$3,191.00	$187,900 Land $83,400 Building $104,500

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

Flood

FEMA maps place 28 Smith Ave in Zone X, an area of moderate flood risk.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 28 Smith 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 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