390 Prospect St Ext, Westfield, MA 01085 Property Records

Hampden County and Westfield City property record for 390 Prospect St Ext, Westfield, MA 01085

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,056 sqft · built 1982
Lot Size	1.01 acres (43,996 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Dec 2021)
Tax Bill	$5,067 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WFLD M:39-R L:25`

Property Details

APN / Parcel Number

Primary APN	`WFLD M:39-R L:25`
Alternative APN	`M:329039 B:R0025 L:00000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	2,525 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Ranch
Exterior Material	Logs
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,996 sqft (1.01 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	390 PROSPECT STREET EXT
City	WESTFIELD
State	MA
Zip	01085-1565
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Lot Number	25
Jurisdiction	WESTFIELD MA
Township / Civil Division	WESTFIELD
Census Block Group	4
Census Block	4024
Census Tract	812800

Owner

390 Prospect St Ext is owned and occupied by an individual who bought it in December 2021.

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	390 PROSPECT STREET EXT, WESTFIELD, MA 01085-1565
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HOLYOKE CU
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLESBANK (HOLYOKE MA)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2021 · Amount on File
Deed Sale	Dec 10, 2021 · Amount on File
Prior Sale	Mar 30, 1990 · Amount on File
Deed Document Number	202187645
Deed Book / Page	24294 / 3
Prior Transfer Date	Dec 9, 2021
Prior Transfer Doc	00024294-3
Record Updated	Oct 29, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTFIELD MA
Recording Date	Dec 10, 2021
Property Address	390 PROSPECT STREET EXT, WESTFIELD, MA 01085-1565
Document Number	00024294-3
Book / Page	24294 / 3
Instrument Date	Dec 9, 2021
Instrument	87645
Transaction Type	Transfer
Record Updated	Dec 24, 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	390 PROSPECT STREET EXT, WESTFIELD, MA 01085-1565

Mortgage

Document Number	0000087646
Date	Dec 10, 2021
Instrument	87646

Lender

Name	HOLYOKE CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	390 PROSPECT STREET EXT, WESTFIELD, MA 01085-1565
Document Number	23416-530
Instrument Date	Sep 8, 2020
Transaction Type	Mortgage
Record Updated	Oct 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	390 PROSPECT STREET EXT WESTFIELD MA 010851565, WESTFIELD, MA 01085-1565

Mortgage

Document Number	23416-530
Date	Sep 14, 2020
Book Page	023416/000530
Instrument	51562

Lender

Name	PEOPLESBANK (HOLYOKE MA)

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 390 Prospect St Ext was $5,067, up 7.5% 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	$5,067.00 (+7.53%)	$339,400 (+9.34%) Land $131,800 Building $207,600	$329,619 (+12.36%)
2025	$4,712.00	$310,400 Land $127,900 Building $182,500	$293,360 (+1.45%)
2024			$289,180
2023	$4,766.00	$280,700 Land $110,900 Building $169,800

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

Flood

FEMA maps place 390 Prospect St Ext 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 390 Prospect St Ext 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 74 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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