Hampden County and Westfield City property record for 45 Shepard St, Westfield, MA 01085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,080 sqft · built 1900 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $103,400 (Mar 2008) |
| Tax Bill | $3,340 (2026) |
| Deeds & Mortgages | Jun 2020 Refinance |
| Flood Zone | Zone X (reduced by levee) |
| APN | WFLD M:62 L:16 |
| Primary APN | WFLD M:62 L:16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,080 sqft Living Area |
| Gross Area | 1,675 sqft |
| 1st Floor Area | 1,105 sqft |
| Basement Area | 540 sqft |
| Unfinished Basement | 540 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,049 sqft (0.07 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 45 SHEPARD ST |
|---|---|
| City | WESTFIELD |
| State | MA |
| Zip | 01085-2358 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Lot Number | 16 |
| Jurisdiction | WESTFIELD MA |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 812701 |
45 Shepard St is owned and occupied by two individuals who bought it in March 2008.
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 | 45 SHEPARD ST, WESTFIELD, MA 01085-2358 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 28, 2008 · Amount on File |
| Deed Sale | Mar 28, 2008 · Amount on File |
| Deed Document Number | 200819522 |
| Deed Book / Page | 17218 / 383 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 45 SHEPARD ST, WESTFIELD, MA 01085-2358 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23249-477 |
|---|---|
| Date | Jun 8, 2020 |
| Book Page | 23249/477 |
| Instrument | 29454 |
| Name | WESTFIELD BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2035 |
The 2026 property tax bill for 45 Shepard St was $3,340, up 9.9% 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 | $3,340.00 (+9.9%) | $223,700 (+11.74%) Land $68,500 Building $155,200 | $241,610 (+6.59%) |
| 2025 | $3,039.00 | $200,200 Land $71,700 Building $128,500 | $226,670 (+18.94%) |
| 2024 | $190,570 | ||
| 2023 | $2,805.00 | $165,200 Land $62,100 Building $103,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Shepard St in Zone X, where a levee reduces flood risk, within 100 ft of a high-risk flood zone.
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 reduced by levee · depends on levee performance |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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 45 Shepard St is low, with less than 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 93% of the US · lower than 83% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 489 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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