781 Western Ave, Westfield, MA 01085 Property Records

Hampden County and Westfield City property record for 781 Western Ave, Westfield, MA 01085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,004 sqft · built 1955
Lot Size	0.505 acres (22,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Dec 2025)
Tax Bill	$4,564 (2026)
Deeds & Mortgages	Aug 2025 Mortgage Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WFLD M:86 L:2`

Property Details

APN / Parcel Number

Primary APN	`WFLD M:86 L:2`
Alternative APN	`M:329086 B:00002 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,004 sqft Living Area
Gross Area	2,805 sqft
Basement Area	998 sqft
Unfinished Basement	998 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,000 sqft (0.505 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	781 WESTERN AVE
City	WESTFIELD
State	MA
Zip	01085-2553
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	2
Jurisdiction	WESTFIELD MA
Township / Civil Division	WESTFIELD
Census Block Group	2
Census Block	2013
Census Tract	812902

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 Individual Names on Record
Mailing Address	81 S MAPLE ST, WESTFIELD, MA 01085-4355
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2025	Deed of Trust, Mortgage EQUITY TRUST COMPANY
Dec 22, 2025	Warranty Deed, Transfer · Conventional Mortgage WESTFIELD BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2025 · Amount on Record
Deed Sale	Dec 22, 2025 · Amount on Record
Prior Sale	Jan 8, 1998 · Amount on Record
Deed Book / Page	26161 / 484
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	781 WESTERN AVE, WESTFIELD, MA 01085-2553
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025990-156
Date	Aug 18, 2025
Book Page	25990/156
Instrument	38430

Lender

Name	EQUITY TRUST COMPANY

Agreement

Amount	Amount Recorded

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WESTFIELD MA
Recording Date	Dec 22, 2025
Property Address	781 WESTERN AVE, WESTFIELD, MA 01085-2553
Document Number	026161-484
Book / Page	26161 / 484
Instrument Date	Dec 22, 2025
Instrument	61887
Transaction Type	Transfer
Record Updated	Jan 14, 2026
Title Company	ARMOR TITLE COMPANY LLC, ARMORY TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Tenants by the Entirety
Address	81 S MAPLE ST, WESTFIELD, MA 01085-4355

Mortgage

Document Number	0000061888
Date	Dec 22, 2025
Instrument	61888

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

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	Assessed Market Value
2026	$4,564.00 (+7.54%)	$305,700 (+9.33%) Land $134,000 Building $171,700	$371,810 (+20.68%)
2025	$4,244.00 (-30.53%)	$279,600 (-22.29%) Land $128,900 Building $150,700	$308,085 (-16.33%)
2024			$368,220
2023	$6,109.00	$359,800 Land $111,500 Building $248,300

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 · 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	1 in force
Nearby Flood Claims	11 (1979–2011)
Claims Outside the SFHA	2 of 11
Most Recent Claim	Aug 2011 · Tropical Storm Irene
Claims by Event	Tropical Storm Irene, Aug 2011 · 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

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 117 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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