Hampden County and Westfield City property record for 95 Western Cir, Westfield, MA 01085
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,040 sqft · built 1954 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $168,000 (Jul 2003) |
| Tax Bill | $4,752 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Oct 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | WFLD M:83 L:30 |
| Primary APN | WFLD M:83 L:30 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| Gross Area | 2,502 sqft |
| Basement Area | 1,040 sqft |
| Unfinished Basement | 1,040 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,000 sqft (0.344 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 95 WESTERN CIR |
|---|---|
| City | WESTFIELD |
| State | MA |
| Zip | 01085-3420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 30 |
| Jurisdiction | WESTFIELD MA |
| Township / Civil Division | WESTFIELD |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 812902 |
95 Western Cir is owned and occupied by two individuals who bought it in July 2003.
Source: Hampden County and Westfield City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 95 WESTERN CIR, WESTFIELD, MA 01085-3420 |
| 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.
| Date | Document |
|---|---|
| Apr 1, 2026 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 7, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2003 · Amount on File |
| Deed Sale | Jul 15, 2003 · Amount on File |
| Prior Sale | Jul 12, 2001 · Amount on File |
| Deed Document Number | 200315385 |
| Deed Book / Page | 13379 / 285 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Recording Date | Apr 1, 2026 |
| Property Address | 95 WESTERN CIR, WESTFIELD, MA 01085-3420 |
| Document Number | 026275-286 |
| Book / Page | 26275 / 286 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 202613937 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 95 WESTERN CIR, WESTFIELD, MA 01085-3420 |
| Document Number | 0000013937, |
|---|---|
| Date | Apr 1, 2026 |
| Book Page | 26275/286 |
| Instrument | 202613937 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WESTFIELD MA |
| Property Address | 95 WESTERN CIR, WESTFIELD, MA 01085-3420 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 22889-579 |
|---|---|
| Date | Oct 7, 2019 |
| Book Page | 22889/579 |
| Instrument | 58138 |
| Name | UNITED BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
The 2026 property tax bill for 95 Western Cir was $4,752, up 8.3% 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 | $4,752.00 (+8.32%) | $318,300 (+10.14%) Land $130,500 Building $187,800 | $337,496 (+1.47%) |
| 2025 | $4,387.00 | $289,000 Land $125,600 Building $163,400 | $332,595 (+0.37%) |
| 2024 | $331,360 | ||
| 2023 | $4,281.00 | $252,100 Land $108,800 Building $143,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 95 Western Cir in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1979.
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 |
|
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 95 Western 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.
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 194 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 |
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