Hampden County and Westfield City property record for 40 Cardinal Ln, Westfield, MA 01085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,268 sqft · built 1994 |
| Lot Size | 0.564 acres (24,570 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $85,000 (May 1999) |
| Tax Bill | $7,867 (2026) |
| Deeds & Mortgages | Nov 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | WFLD M:18-R L:149 |
| Primary APN | WFLD M:18-R L:149 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,268 sqft Living Area |
| Gross Area | 5,336 sqft |
| Basement Area | 1,134 sqft |
| Unfinished Basement | 1,134 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 24,570 sqft (0.564 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 40 CARDINAL LN |
|---|---|
| City | WESTFIELD |
| State | MA |
| Zip | 01085-4577 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 149 |
| Jurisdiction | WESTFIELD MA |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 812600 |
Source: Hampden County and Westfield City records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 40 CARDINAL LN, WESTFIELD, MA 01085-4577 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 1999 · Amount on Record |
| Deed Sale | May 6, 1999 · Amount on Record |
| Deed Book / Page | 10756 / 195 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 40 CARDINAL LN, WESTFIELD, MA 01085-4577 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 21934-588 |
|---|---|
| Date | Nov 7, 2017 |
| Book Page | 21934/588 |
| Instrument | 65873 |
| Name | WESTFIELD BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 1, 2042 |
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 | $7,867.00 (+3.98%) | $526,900 (+5.72%) Land $141,500 Building $385,400 | $579,694 (+24.89%) |
| 2025 | $7,566.00 (+2.27%) | $498,400 (+14.39%) Land $148,200 Building $350,200 | $464,170 (-) |
| 2024 | $464,170 | ||
| 2023 | $7,398.00 | $435,700 Land $128,300 Building $307,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 8 (1982–2020) |
| Most Recent Claim | Sep 2020 · other causes |
| Claims by Event |
|
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.
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.
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 241 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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