46 Gary Dr, Westfield, MA 01085 Property Records

Hampden County and Westfield City property record for 46 Gary Dr, Westfield, MA 01085

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,333 sqft · built 1989
Lot Size	0.705 acres (30,692 sqft)
Owner	Individual Name on File
Last Sale	$517,500 (Sep 2019)
Tax Bill	$10,881 (2026)
Deeds & Mortgages	Oct 2021 Refinance Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WFLD M:155 L:63`

Property Details

APN / Parcel Number

Primary APN	`WFLD M:155 L:63`
Alternative APN	`M:329155 B:00063 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,333 sqft Living Area
Gross Area	9,351 sqft
Basement Area	2,503 sqft
Unfinished Basement	2,503 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,692 sqft (0.705 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	46 GARY DR
City	WESTFIELD
State	MA
Zip	01085-4555
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	63
Jurisdiction	WESTFIELD MA
Township / Civil Division	WESTFIELD
Census Block Group	3
Census Block	3002
Census Tract	812600

Owner

46 Gary Dr is owned and occupied by an individual who bought it in September 2019.

Source: Hampden County and Westfield City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	46 GARY DR, WESTFIELD, MA 01085-4555
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WESTFIELD BANK FSB
Sep 24, 2019	Warranty Deed, Transfer · Conventional Mortgage PEOPLESBANK (HOLYOKE MA)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2019 · Amount on File
Deed Sale	Sep 24, 2019 · Amount on File
Prior Sale	Nov 7, 2006 · Amount on File
Deed Document Number	201955037
Deed Book / Page	22867 / 428
Transfer Doc	20802-293
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	46 GARY DR, WESTFIELD, MA 01085-4555
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24201-186
Date	Oct 25, 2021
Book Page	24201/186
Instrument	75403

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTFIELD MA
Recording Date	Sep 24, 2019
Property Address	46 GARY DR, WESTFIELD, MA 01085-4555
Document Number	22867-428
Book / Page	022867 / 000428
Instrument Date	Sep 23, 2019
Instrument	55037
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,406.38
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 WOODCLIFF DR WESTFIELD MA 010851836, WESTFIELD, MA 01085-1836

Mortgage

Document Number	22867-431
Date	Sep 24, 2019
Book Page	022867/000431
Instrument	55038

Lender

Name	PEOPLESBANK (HOLYOKE MA)

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 46 Gary Dr was $10,881, up 7.6% from the year before.

Source: Hampden County and Westfield City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
Municipality	Westfield City
Unified School District	Westfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,881.00 (+7.58%)	$728,800 (+9.38%) Land $161,100 Building $567,700	$717,134 (-7.41%)
2025	$10,114.00	$666,300 Land $165,700 Building $500,600	$774,535 (+5.57%)
2024			$733,685
2023	$9,964.00	$586,800 Land $143,300 Building $443,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 46 Gary Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1982.

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 File 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	Tropical Storm Irene, Aug 2011 · 4 claims Severe Storms And Inland And Coastal Flooding, Apr 2007 · 2 claims

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

Wildfire risk around 46 Gary Dr 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 166 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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