48 Birch Bluff Rd, Montgomery (Westfield), MA 01085 Property Records

Hampden County and Montgomery Town property record for 48 Birch Bluff Rd, Montgomery, MA 01085

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,575 sqft · built 1988
Lot Size	2.95 acres (128,502 sqft)
Owner	2 Individual Names on Record
Last Sale	$687,500 (Aug 2026)
Tax Bill	$5,885 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Aug 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:8 B:209 L:29`

Property Details

APN / Parcel Number

Primary APN	`M:8 B:209 L:29`
Alternative APN	`MONT M:8 B:3 L:29`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,575 sqft Living Area
Gross Area	6,040 sqft
Basement Area	1,320 sqft
Unfinished Basement	1,320 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	128,502 sqft (2.95 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	48 BIRCH BLUFF RD
City	MONTGOMERY
State	MA
Zip	01085-9504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3
Legal Lot Number	29
Jurisdiction	MONTGOMERY MA
Township / Civil Division	MONTGOMERY
Census Block Group	1
Census Block	1000
Census Tract	813002

Owner

Source: Hampden County and Montgomery Town records, as of October 7, 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	11 PINE RIDGE RD, MONTGOMERY, MA 01085-9619
Owner Type	Individual
Vesting	Married Person

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Deed of Trust, Mortgage · Line of Credit LIBERTY BANK
Aug 7, 2026	Quit Claim Deed, Transfer
Jul 2, 2018	Deed of Trust, Mortgage · Closed-End Mortgage UNITED BANK
Nov 13, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 10, 2019	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2026 · Amount on Record
Deed Sale	Aug 7, 2026 · Amount on Record
Prior Sale	Oct 10, 2019 · Amount on Record
Deed Document Number	202637880
Deed Book / Page	26456 / 513
Transfer Doc	1491000068
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MA
Recording Date	Sep 14, 2026
Property Address	48 BIRCH BLUFF RD, MONTGOMERY, MA 01085-9504
Document Number	0000044854
Book / Page	26508 / 266
Instrument Date	Sep 1, 2026
Instrument	202644854
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 BIRCH BLUFF RD, MONTGOMERY, MA 01085-9504

Mortgage

Document Number	0000044854,
Date	Sep 14, 2026
Book Page	26508/266
Instrument	202644854

Lender

Name	LIBERTY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY MA
Recording Date	Aug 7, 2026
Property Address	48 BIRCH BLUFF RD, MONTGOMERY, MA 01085-9504
Document Number	0000037880
Book / Page	26456 / 513
Instrument Date	Jul 23, 2026
Instrument	202637880
Transaction Type	Transfer
Record Updated	Aug 26, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 PINE RIDGE RD, MONTGOMERY, MA 01085-9619

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MA
Property Address	48 BIRCH BLUFF RD, MONTGOMERY, MA 01085-9504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22248-151
Date	Jul 2, 2018
Book Page	22248/151
Instrument	37627

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY MA
Recording Date	Nov 13, 2019
Property Address	48 BIRCH BLUFF RD, MONTGOMERY, MA 01085-9504
Document Number	22950-220
Book / Page	022950 / 000220
Instrument Date	Nov 12, 2019
Instrument	66694
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 BIRCH BLUFF RD MONTGOMERY MA 010859504, MONTGOMERY, MA 01085-9504

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY MA
Recording Date	Oct 10, 2019
Property Address	48 BIRCH BLUFF RD, MONTGOMERY, MA 01085-9504
Document Number	22895-168
Book / Page	22895 / 168
Instrument Date	Oct 8, 2019
Instrument	58941
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 MONTGOMERY RD, WESTFIELD, MA 01085-1082

Mortgage

Document Number	58942
Date	Oct 10, 2019
Instrument	58942

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hampden County and Montgomery Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Montgomery Town
Unified School District	Gateway School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,885.00 (+6.84%)	$519,000 (+39.93%) Land $110,500 Building $408,500	$588,905
2023	$5,508.00	$370,900 Land $101,000 Building $269,900

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

Flood

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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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