79 Colony Cir, Westfield, MA 01085 Property Records

Hampden County and Westfield City property record for 79 Colony Cir, Westfield, MA 01085

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,860 sqft · built 1981
Lot Size	0.815 acres (35,500 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (Sep 2023)
Tax Bill	$5,870 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WFLD M:16-R L:28`

Property Details

APN / Parcel Number

Primary APN	`WFLD M:16-R L:28`
Alternative APN	`M:329016 B:R0028 L:00000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,860 sqft Living Area
Gross Area	3,888 sqft
Basement Area	1,164 sqft
Unfinished Basement	1,164 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,500 sqft (0.815 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	79 COLONY CIR
City	WESTFIELD
State	MA
Zip	01085-4840
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	28
Jurisdiction	WESTFIELD MA
Township / Civil Division	WESTFIELD
Census Block Group	1
Census Block	1002
Census Tract	812600

Owner

79 Colony Cir is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	79 COLONY CIR, WESTFIELD, MA 01085-4840
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
Nov 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage POLISH NATIONAL CU
Sep 16, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) POLISH NATIONAL CU
Sep 29, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage POLISH NATIONAL CU
Sep 27, 2018	Deed of Trust, Mortgage · Line of Credit WESTFIELD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2023 · Amount on File
Deed Sale	Sep 29, 2023 · Amount on File
Deed Book / Page	25174 / 428
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	79 COLONY CIR, WESTFIELD, MA 01085-4840
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026107-120
Date	Nov 12, 2025
Book Page	26107/120
Instrument	54197

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2045

Interest

Rate Type	Adjustable Rate
Rate	5.13%
Type Change Date	Dec 1, 2032
Index	1-Year CMT

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	79 COLONY CIR, WESTFIELD, MA 01085-4840
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025572-424
Date	Sep 16, 2024
Book Page	25572/424
Instrument	42576

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2039

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTFIELD MA
Recording Date	Sep 29, 2023
Property Address	79 COLONY CIR, WESTFIELD, MA 01085-4840
Document Number	025174-428
Book / Page	25174 / 428
Instrument Date	Sep 29, 2023
Instrument	46447
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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	25 BECKWITH AVE, WESTFIELD, MA 01085-2226

Mortgage

Document Number	0000046448
Date	Sep 29, 2023
Instrument	46448

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	79 COLONY CIR, WESTFIELD, MA 01085-4840
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22377-131
Date	Sep 27, 2018
Book Page	22377/131
Instrument	57865

Lender

Name	WESTFIELD BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 1, 2043

Tax Assessment & Valuation

The 2026 property tax bill for 79 Colony Cir was $5,870, up 3.3% 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	$5,870.00 (+3.25%)	$393,200 (+4.99%) Land $140,600 Building $252,600	$447,828 (-7.55%)
2025	$5,685.00	$374,500 Land $135,300 Building $239,200	$484,405 (+11.94%)
2024			$432,725
2023	$5,620.00	$331,000 Land $117,200 Building $213,800

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

Flood

FEMA maps place 79 Colony Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 79 Colony Cir 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	Direct burnable vegetation

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 28 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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