Hampden County and Westfield City property record for 405 Prospect St Ext, Westfield, MA 01085
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,528 sqft · built 1993 |
| Lot Size | 1.38 acres (60,113 sqft) |
| Owner | Individual Name on File |
| Last Sale | $350,000 (Sep 2018) |
| Tax Bill | $7,756 (2026) |
| Deeds & Mortgages | Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | WFLD M:39-R L:32 |
| Primary APN | WFLD M:39-R L:32 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,528 sqft Living Area |
| Gross Area | 5,408 sqft |
| Basement Area | 1,408 sqft |
| Unfinished Basement | 1,408 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 60,113 sqft (1.38 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 405 PROSPECT STREET EXT |
|---|---|
| City | WESTFIELD |
| State | MA |
| Zip | 01085-1572 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Lot Number | 32 |
| Jurisdiction | WESTFIELD MA |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 4 |
| Census Block | 4023 |
| Census Tract | 812800 |
405 Prospect St Ext is owned and occupied by an individual who bought it in September 2018.
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 | 405 PROSPECT STREET EXT, WESTFIELD, MA 01085-1572 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 28, 2018 · Amount on File |
| Deed Sale | Sep 28, 2018 · Amount on File |
| Prior Sale | Jun 26, 1992 · Amount on File |
| Deed Book / Page | 22383 / 40 |
| Transfer Doc | 0022383-40 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Recording Date | Sep 28, 2018 |
| Property Address | 405 PROSPECT STREET EXT, WESTFIELD, MA 01085-1572 |
| Document Number | 22383-40 |
| Book / Page | 22383 / 40 |
| Instrument | 58764 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $58.43 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 223830043 |
|---|---|
| Date | Sep 28, 2018 |
| Instrument | 22383/0043 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 28, 2048 |
The 2026 property tax bill for 405 Prospect St Ext was $7,756, up 6.5% 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 | $7,756.00 (+6.47%) | $519,500 (+8.25%) Land $132,300 Building $387,200 | $561,199 (+4.59%) |
| 2025 | $7,285.00 | $479,900 Land $128,600 Building $351,300 | $536,560 (+5.61%) |
| 2024 | $508,060 | ||
| 2023 | $6,989.00 | $411,600 Land $111,600 Building $300,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 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 405 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.
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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