73 Ridgeway St, Westfield, MA 01085 Property Records

Hampden County and Westfield City property record for 73 Ridgeway St, Westfield, MA 01085

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,636 sqft · built 1960
Lot Size	0.366 acres (15,960 sqft)
Owner	Individual Name on File
Tax Bill	$5,221 (2026)
Deeds & Mortgages	Apr 2026 Second Mortgage Apr 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WFLD M:72 L:14`

Property Details

APN / Parcel Number

Primary APN	`WFLD M:72 L:14`
Alternative APN	`M:329072 B:00014 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,636 sqft Living Area
Gross Area	3,276 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,960 sqft (0.366 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	73 RIDGEWAY ST
City	WESTFIELD
State	MA
Zip	01085-2744
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	14
Jurisdiction	WESTFIELD MA
Township / Civil Division	WESTFIELD
Census Block Group	3
Census Block	3010
Census Tract	812901

Owner

73 Ridgeway St is owned and occupied by an individual who acquired it in September 2009.

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

Owner of Record	Individual Name on File
Mailing Address	73 RIDGEWAY ST, WESTFIELD, MA 01085-2744
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
Apr 27, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage POLISH NATIONAL CREDIT UNION
Apr 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance POLISH NATIONAL CU
Sep 22, 2017	Deed of Trust, Mortgage POLISH NATIONAL CU
Jul 26, 2019	Deed of Trust, Mortgage · ARM POLISH NATIONAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2009
Deed Sale	Sep 22, 2009
Deed Document Number	200963228
Deed Book / Page	17994 / 508
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Recording Date	Apr 27, 2026
Property Address	73 RIDGEWAY ST, WESTFIELD, MA 01085-2744
Document Number	026305-417
Book / Page	26305 / 417
Instrument Date	Apr 21, 2026
Instrument	202617983
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	73 RIDGEWAY ST, WESTFIELD, MA 01085-2744

Mortgage

Document Number	0000017983,
Date	Apr 27, 2026
Book Page	26305/417
Instrument	202617983

Lender

Name	POLISH NATIONAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2041

Interest

Rate	5.75%
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	73 RIDGEWAY ST, WESTFIELD, MA 01085-2744
Transaction Type	Mortgage
Record Updated	May 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23836-229
Date	Apr 21, 2021
Book Page	23836/229
Instrument	26879

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

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

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	73 RIDGEWAY ST, WESTFIELD, MA 01085-2744
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21869-220
Date	Sep 22, 2017
Book Page	21869/220
Instrument	55927

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2032

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	73 RIDGEWAY ST, WESTFIELD, MA 01085-2744
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22774-202
Date	Jul 26, 2019
Book Page	22774/202
Instrument	41424

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Aug 1, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 73 Ridgeway St was $5,221, up 8.2% 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	$5,221.00 (+8.18%)	$349,700 (+1%) Land $119,100 Building $230,600	$337,013 (-2.86%)
2025	$4,826.00	$317,900 Land $115,700 Building $202,200	$346,940 (+6.22%)
2024			$326,610
2023	$4,717.00	$277,800 Land $100,200 Building $177,600

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

Flood

FEMA maps place 73 Ridgeway St in Zone X, an area of minimal flood risk, though there have been 3 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
Nearby Flood Policies	8 in force
Nearby Flood Claims	3 (1982–1999)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jan 1999 · rainfall accumulation

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 73 Ridgeway 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	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 190 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

Cell Coverage

5G (outdoors only) and 4G LTE

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