281 Main Rd, Montgomery (Westfield), MA 01085 Property Records

Hampden County and Montgomery Town property record for 281 Main Rd, Montgomery, MA 01085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,066 sqft · built 1970
Lot Size	0.82 acres (35,719 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Apr 2023)
Tax Bill	$4,088 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jul 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:1 B:257 L:45`

Property Details

APN / Parcel Number

Primary APN	`M:1 B:257 L:45`
Alternative APN	`MONT M:1 B:5 L:45`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,066 sqft Living Area
Gross Area	4,102 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	35,719 sqft (0.82 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	281 MAIN RD
City	MONTGOMERY
State	MA
Zip	01085-9527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	5
Legal Lot Number	45
Jurisdiction	MONTGOMERY MA
Township / Civil Division	MONTGOMERY
Census Block Group	1
Census Block	1007
Census Tract	813002

Owner

281 Main Rd is owned and occupied by two individuals who bought it in April 2023.

Source: Hampden County and Montgomery Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	281 MAIN RD, MONTGOMERY, MA 01085-9527
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
Apr 3, 2023	Deed, Transfer · FHA Mortgage CIBM BANK
Jul 10, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2023 · Amount on File
Deed Sale	Apr 3, 2023 · Amount on File
Deed Document Number	202314825
Deed Book / Page	24957 / 327
Record Updated	Sep 20, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY MA
Recording Date	Apr 3, 2023
Property Address	281 MAIN RD, MONTGOMERY, MA 01085-9527
Document Number	024957-327
Book / Page	24957 / 327
Instrument Date	Mar 31, 2023
Instrument	14825
Transaction Type	Transfer
Record Updated	Apr 21, 2023

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	261 SOUTH ST, CHESTERFIELD, MA 01012-9711

Mortgage

Document Number	0000014826
Date	Apr 3, 2023
Instrument	14826

Lender

Name	CIBM BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY MA
Recording Date	Jul 10, 2018
Property Address	281 MAIN RD, MONTGOMERY, MA 01085-9527
Document Number	22257-574
Book / Page	022257 / 000574
Instrument Date	Jun 29, 2018
Instrument	39361
Transaction Type	Transfer
Record Updated	Jul 31, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	281 MAIN RD MONTGOMERY MA 010859527, MONTGOMERY, MA 01085-9527

Tax Assessment & Valuation

The 2025 property tax bill for 281 Main Rd was $4,088.

Source: Hampden County and Montgomery Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Montgomery Town
Unified School District	Gateway School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,088.00	$360,500 Land $75,400 Building $285,100	$474,810 (+5.8%)
2024			$448,780
2023	$3,857.00	$259,700 Land $63,500 Building $196,200

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

Flood

FEMA maps place 281 Main Rd 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

Wildfire risk around 281 Main Rd 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Main Rd

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