Hampden County and Westfield City property record for 399 Prospect St Ext, Westfield, MA 01085
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,519 sqft · built 2018 |
| Lot Size | 6.15 acres (267,894 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $73,000 (Feb 2017) |
| Tax Bill | $9,816 (2026) |
| Deeds & Mortgages | Mar 2026 Line of Credit Feb 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WFLD M:39-R L:40 |
| Primary APN | WFLD M:39-R L:40 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,519 sqft Living Area |
| Gross Area | 5,913 sqft |
| Basement Area | 1,587 sqft |
| Unfinished Basement | 1,587 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 267,894 sqft (6.15 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 399 PROSPECT STREET EXT |
|---|---|
| City | WESTFIELD |
| State | MA |
| Zip | 01085-1539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Lot Number | 40 |
| Jurisdiction | WESTFIELD MA |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 4 |
| Census Block | 4028 |
| Census Tract | 812800 |
399 Prospect St Ext is owned and occupied by two individuals who bought it in February 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 399 PROSPECT STREET EXT, WESTFIELD, MA 01085-1539 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 26, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Feb 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance RADIUS FINANCIAL GROUP |
| Feb 7, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Aug 18, 2017 | Deed of Trust, Mortgage COUNTRY BK |
| Feb 17, 2017 | Quit Claim Deed, Transfer COUNTRY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 17, 2017 · Amount on File |
| Deed Sale | Feb 17, 2017 · Amount on File |
| Prior Sale | Jul 11, 2002 · Amount on File |
| Deed Document Number | 20178782 |
| Deed Book / Page | 21572 / 80 |
| Transfer Doc | 0021572-80 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 399 PROSPECT STREET EXT, WESTFIELD, MA 01085-1539 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 026265-448 |
|---|---|
| Date | Mar 26, 2026 |
| Book Page | 26265/448 |
| Instrument | 12728 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Apr 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 399 PROSPECT STREET EXT, WESTFIELD, MA 01085-1539 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 023696-386 |
|---|---|
| Date | Feb 8, 2021 |
| Book Page | 23696/386 |
| Instrument | 8776 |
| Name | RADIUS FINANCIAL GROUP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 399 PROSPECT STREET EXT, WESTFIELD, MA 01085-1539 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 024392-244 |
|---|---|
| Date | Feb 7, 2022 |
| Book Page | 24392/244 |
| Instrument | 7811 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Mar 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 399 PROSPECT STREET EXT, WESTFIELD, MA 01085-1539 |
| Document Number | 21819-263 |
| Book / Page | 021819 / 000263 |
| Instrument Date | Aug 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 5, 2017 |
| Name | Verified Name |
|---|
| Document Number | 21819-263 |
|---|---|
| Date | Aug 18, 2017 |
| Book Page | 021819/000263 |
| Instrument | 48191 |
| Name | COUNTRY BK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 17, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Recording Date | Feb 17, 2017 |
| Property Address | 399 PROSPECT STREET EXT, WESTFIELD, MA 01085-1539 |
| Document Number | 21572-80 |
| Book / Page | 21572 / 80 |
| Instrument | 8782 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $17.94 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 215720083 |
|---|---|
| Date | Feb 17, 2017 |
| Instrument | 21572/0083 |
| Name | COUNTRY BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Feb 17, 2032 |
| Rate | 5.88% |
|---|---|
| Max Rate At Change | 30.1% |
| Max Rate | 5% |
The 2026 property tax bill for 399 Prospect St Ext was $9,816, up 1.6% 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 | $9,816.00 (+1.59%) | $657,500 (+3.3%) Land $133,400 Building $524,100 | $626,838 (+13.29%) |
| 2025 | $9,662.00 | $636,500 Land $130,300 Building $506,200 | $553,280 (+5.09%) |
| 2024 | $526,490 | ||
| 2023 | $9,927.00 | $584,600 Land $113,200 Building $471,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 399 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 risk around 399 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 | Direct burnable vegetation |
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 21 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 |
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