Hampden County and Westfield City property record for 43 Cross St, Westfield, MA 01085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,102 sqft · built 1984 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $175,250 (Mar 2013) |
| Tax Bill | $4,277 (2026) |
| Flood Zone | Zone X (moderate risk) |
| APN | WFLD M:16 L:50 |
| Primary APN | WFLD M:16 L:50 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,102 sqft Living Area |
| Gross Area | 3,108 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,958 sqft (0.55 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 43 CROSS ST |
|---|---|
| City | WESTFIELD |
| State | MA |
| Zip | 01085-3835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Lot Number | 50 |
| Jurisdiction | WESTFIELD MA |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 812702 |
43 Cross St is owned and occupied by two individuals who bought it in March 2013.
Source: Hampden County and Westfield City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 43 CROSS ST, WESTFIELD, MA 01085-3835 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 15, 2013 · Amount on File |
| Deed Sale | Mar 15, 2013 · Amount on File |
| Prior Sale | Mar 15, 2013 · Amount on File |
| Deed Book / Page | 19730 / 139 |
| Transfer Doc | 1973000139 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 43 Cross St was $4,277, up 6.7% 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 | $4,277.00 (+6.71%) | $286,500 (+8.52%) Land $98,200 Building $188,300 | $307,366 (+6.74%) |
| 2025 | $4,008.00 | $264,000 Land $102,800 Building $161,200 | $287,945 (+9.62%) |
| 2024 | $262,675 | ||
| 2023 | $3,941.00 | $232,100 Land $88,900 Building $143,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 43 Cross St in Zone X, an area of moderate flood risk.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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.
Wildfire risk around 43 Cross St 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 | None beyond ember reach |
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 340 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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