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Single Family ResidenceResidential
$283,365$228 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $114,080 on Oct 24, 1997

10 CONGRESS ST

WESTFIELD, MA 01085
3
Beds
1.5
Baths
1,244 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.33 ac
Lot SizeThe size of the land the home sits on, from county records.
1880
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$283K
$269K low$298K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$114,080 · Oct 24, 1997
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$162,115
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$129,692
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.42%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$91,250
CHASE MANHATTAN MORTGAGE CORP · recorded Oct 24, 1997
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$30,000
WESTFIELD BANK FSB

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,303 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$217,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$99,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$118,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$313,785

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.58 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyHAMPDEN
Lot (acres)The size of the land the home sits on, from county records.0.33
ConstructionThe main material the home's frame and walls are built from.Brick
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(7)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Franklin Avenue Elementary School
Elementary · Grades KG–4 · 0.3 mi
M
Westfield Middle SchoolC-
Middle · Grades 7–8 · 1.3 mi
H
Westfield High SchoolB-
High · Grades 9–12 · 1.3 mi

District: Westfield School District

Neighborhood · ZIP 01085These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.73
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.60

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.42,029
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.668 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$82,603
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$101,101
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.50 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

10 Congress St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 89% of homes in Westfield 01085
  • Costs less per square foot than 71% of homes in Westfield 01085
  • Smaller than 74% of homes in Westfield 01085
  • Has a smaller lot than 72% of homes in Westfield 01085
  • Older than 98% of homes in Hampden County

What homes are worth in Westfield 01085

Each bar is how many homes fall in that price range. The marker is this home.

This home
$197K$767K

This home is worth more than 11% of homes in Westfield 01085.

How it measures up in Westfield 01085

The dot is this home. The mark in the middle is the typical home in Westfield 01085.

Estimated value$283,365
CheaperTypical $384,721Pricier

Pricier than 11% of homes nearby

Price per ft²$228
CheaperTypical $254Pricier

Pricier than 29% of homes nearby

Living area1,244 ft²
SmallerTypical 1,632 ft²Bigger

Bigger than 26% of homes nearby

Lot size0.33 ac
SmallerTypical 0.5 acBigger

Bigger than 28% of homes nearby

Year built1880
OlderTypical 1964Newer

Newer than 5% of homes nearby

How 10 Congress St ranks against every home in each area.
MeasureThis homeWestfield 01085Hampden County
Estimated valuepricier than$283,36511% of homes24% of homes
Price per ft²pricier than$22829% of homes36% of homes
Living areabigger than1,244 ft²26% of homes30% of homes
Lot sizebigger than0.33 ac28% of homes53% of homes
Year builtnewer than18805% of homes2% of homes

About 10 Congress St

How much is 10 Congress St, Westfield, MA worth?

The TopHap Estimate for 10 Congress St, Westfield, MA is $283,365 as of Jul 14, 2026. The likely range is $268,721 to $298,009. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 10 Congress St, Westfield, MA last sell?

10 Congress St, Westfield, MA last sold on Oct 24, 1997 for $114,080, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 10 Congress St, Westfield, MA?

10 Congress St, Westfield, MA has 3 bedrooms, 1.5 bathrooms, 1,244 square feet of living space and a 0.33-acre lot.

When was 10 Congress St, Westfield, MA built?

10 Congress St, Westfield, MA was built in 1880, making it 146 years old. It is a conventional home. The building has 1 story.

What schools serve 10 Congress St, Westfield, MA?

10 Congress St, Westfield, MA is assigned to Franklin Avenue Elementary School (elementary); Westfield Middle School (middle), rated C-; Westfield High School (high), rated B-. All sit in Westfield School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 10 Congress St, Westfield, MA compare to other homes in Westfield 01085?

Among the 11,970 homes in Westfield 01085, it is worth more than 11% of them ($283,365 against a typical $384,721), its price per square foot is higher than 29% of them ($228 against a typical $254), it is bigger than 26% of them (1,244 ft² against a typical 1,632 ft²), its lot is bigger than 28% of them (0.33 ac against a typical 0.5 ac) and it is newer than 5% of them (1880 against a typical 1964). Measured against all of Hampden County, it is worth more than 24% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 10 Congress St, Westfield, MA?

The 2025 property tax bill for 10 Congress St, Westfield, MA was $3,303. The county assessed it at $217,600.

Closest homes

More homes in Westfield 01085

Assigned schools

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