97 Ridgeway St, Westfield, MA 01085 Property Records

Hampden County and Westfield City property record for 97 Ridgeway St, Westfield, MA 01085

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,333 sqft · built 1954
Lot Size	0.661 acres (28,800 sqft)
Owner	Individual Name on File
Last Sale	$100,900 (May 1992)
Tax Bill	$4,978 (2026)
Deeds & Mortgages	Apr 2024 Transfer Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WFLD M:72 L:19`

Property Details

APN / Parcel Number

Primary APN	`WFLD M:72 L:19`
Alternative APN	`M:329072 B:00019 L:00000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,333 sqft Living Area
Gross Area	2,570 sqft
Basement Area	750 sqft
Unfinished Basement	750 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,800 sqft (0.661 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	97 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	19
Jurisdiction	WESTFIELD MA
Township / Civil Division	WESTFIELD
Census Block Group	3
Census Block	3010
Census Tract	812901

Owner

97 Ridgeway St is owned by an individual who acquired it in April 2024.

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

Owner of Record	Individual Name on File
Mailing Address	131 BERKSHIRE DR, WESTFIELD, MA 01085-2732
Owner Type	Individual
Vesting	Individual(s)

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 17, 2024	Quit Claim Deed, Transfer Quitclaim
Aug 28, 2018	Deed of Trust, Mortgage POLISH NATIONAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 1992 · Amount on File
Deed Sale	May 22, 1992 · Amount on File
Last Transfer Date	Apr 11, 2024
Transfer Doc	025384-395
Record Updated	Oct 29, 2026

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WESTFIELD MA
Recording Date	Apr 17, 2024
Property Address	97 RIDGEWAY ST, WESTFIELD, MA 01085-2744
Document Number	025384-395
Book / Page	25384 / 395
Instrument Date	Apr 11, 2024
Instrument	15970
Transaction Type	Transfer
Record Updated	May 3, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 BERKSHIRE DR, WESTFIELD, MA 01085-2732

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTFIELD MA
Property Address	97 RIDGEWAY ST, WESTFIELD, MA 01085-2744
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22333-458
Date	Aug 28, 2018
Book Page	22333/458
Instrument	51373

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 97 Ridgeway St was $4,978, up 10.1% 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	$4,978.00 (+10.08%)	$333,400 (+11.92%) Land $125,000 Building $208,400	$317,854 (+0.48%)
2025	$4,522.00	$297,900 Land $121,200 Building $176,700	$316,350 (+4.59%)
2024			$302,480
2023	$4,349.00	$256,100 Land $104,800 Building $151,300

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

Flood

FEMA maps place 97 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 97 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

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 300 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

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