77 Mill St, Westfield, MA 01085 Property Records

Hampden County and Westfield City property record for 77 Mill St, Westfield, MA 01085

Property Summary

Property Type	Commercial
Details	119,739 sqft · built 1874
Lot Size	8.41 acres (366,340 sqft)
Owner	2 Company Names on Record
Tax Bill	$124,521 (2026)
Deeds & Mortgages	May 2019 Refinance Aug 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`WFLD M:41 L:54`

Property Details

APN / Parcel Number

Primary APN	`WFLD M:41 L:54`
Alternative APN	`M:329041 B:00054 L:00000`

Interior

Units	213 Units
Building Area	119,739 sqft Garage
Basement Area	31,795 sqft
Unfinished Basement	31,795 sqft

Exterior

Year Built	Built 1874
Effective Year Built	Effective 1874
Exterior Material	Brick
Lot Area	366,340 sqft (8.41 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam

Location & Zoning

Street Address	77 MILL ST
City	WESTFIELD
State	MA
Zip	01085-4598
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	RB
Legal Lot Number	54
Jurisdiction	WESTFIELD MA
Township / Civil Division	WESTFIELD
Census Block Group	1
Census Block	1017
Census Tract	812901

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	PO BOX 493, WILBRAHAM, MA 01095-0493
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 24, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance EASTHAMPTON SAVINGS BANK
Aug 7, 2020	Deed of Trust, Mortgage · Second Mortgage (Down Payment) EASTHAMPTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	77 MILL ST, WESTFIELD, MA 01085-4598
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22679-313
Date	May 24, 2019
Book Page	22679/313
Instrument	27079

Lender

Name	EASTHAMPTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	77 MILL ST, WESTFIELD, MA 01085-4598
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23353-81
Date	Aug 7, 2020
Book Page	23353/81
Instrument	43133

Lender

Name	EASTHAMPTON SAVINGS BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

Tax Assessment & Valuation

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
2026	$124,521.00	$4,268,800 (+10.61%) Land $372,300 Building $3,896,500
2025		$3,859,300 (+22.61%) Land $309,600 Building $3,549,700
2023		$3,147,500 Land $272,300 Building $2,875,200
2020	$99,236.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective June 7, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	28 units insured incl. 28 condo units

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

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 146 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Mill St

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