Hampden County and Westfield City property record for 7 Cross St, Westfield, MA 01085
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,508 sqft · built 1930 |
| Lot Size | 0.144 acres (6,270 sqft) |
| Owner | Individual Name on File |
| Last Sale | $204,900 (Jul 2019) |
| Tax Bill | $4,536 (2026) |
| Deeds & Mortgages | Sep 2022 Refinance Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | WFLD M:14 L:46 |
| Primary APN | WFLD M:14 L:46 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,508 sqft Living Area |
| Gross Area | 5,170 sqft |
| Basement Area | 1,254 sqft |
| Unfinished Basement | 1,254 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,270 sqft (0.144 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 7 CROSS ST |
|---|---|
| City | WESTFIELD |
| State | MA |
| Zip | 01085-3807 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RB |
| Legal Lot Number | 46 |
| Jurisdiction | WESTFIELD MA |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 812702 |
7 Cross St, a duplex, is owned by an individual who bought it in July 2019.
Source: Hampden County and Westfield City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 16 CAMELOT LN, WESTFIELD, MA 01085-5406 |
| 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.
| Date | Document |
|---|---|
| Sep 27, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance NEWTEK SMALL BUSINESS FINANCE INC |
| Jul 24, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 24, 2019 · Amount on File |
| Deed Sale | Jul 24, 2019 · Amount on File |
| Prior Sale | Feb 4, 2010 · Amount on File |
| Deed Document Number | 201940877 |
| Deed Book / Page | 22770 / 27 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 7 CROSS ST, WESTFIELD, MA 01085-3807 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00024742-1 |
|---|---|
| Date | Sep 27, 2022 |
| Book Page | 24742/1 |
| Instrument | 58071 |
| Name | NEWTEK SMALL BUSINESS FINANCE INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Oct 1, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Recording Date | Jul 24, 2019 |
| Property Address | 7 CROSS ST, WESTFIELD, MA 01085-3807 |
| Document Number | 22770-27 |
| Book / Page | 22770 / 27 |
| Instrument Date | Jul 23, 2019 |
| Instrument | 40877 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 CAMELOT LN, WESTFIELD, MA 01085-5406 |
| Document Number | 40878 |
|---|---|
| Date | Jul 24, 2019 |
| Instrument | 40878 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 7 Cross St was $4,536, up 9.7% 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 | $4,536.00 (+9.7%) | $303,800 (+11.53%) Land $91,800 Building $212,000 | $332,270 |
| 2025 | $4,135.00 | $272,400 Land $96,000 Building $176,400 | |
| 2023 | $3,832.00 | $225,700 Land $83,100 Building $142,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7 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 7 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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