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Single Family ResidenceResidential
$337,443$229 / 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 $179,000 on Oct 27, 2017

31 PROSPECT ST

WESTFIELD, MA 01085
4
Beds
1
Baths
1,476 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.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1910
Year BuiltThe year the home was originally built, according to county records.
3
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$337K
$321K low$354K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$179,000 · Oct 27, 2017
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.$160,458
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$128,366
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.57%
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.$176,985
MAGNOLIA BANK · recorded Dec 16, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,055 (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.$267,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$97,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$170,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$289,180

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.1 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.minimal

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.0.20
ConstructionThe main material the home's frame and walls are built from.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Slate
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(6)

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.

H
Westfield High SchoolB-
High · Grades 9–12 · 0.8 mi
E
Southampton Road Elementary SchoolD+
Elementary · Grades KG–4 · 1.5 mi
M
Westfield Middle SchoolC-
Middle · Grades 7–8 · 1.6 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.Owner occupied
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

31 Prospect 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 70% of homes in Westfield 01085
  • Costs less per square foot than 71% of homes in Westfield 01085
  • Has a smaller lot than 86% of homes in Westfield 01085
  • Older than 88% 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
$198K$771K

This home is worth more than 30% 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$337,443
CheaperTypical $385,693Pricier

Pricier than 30% of homes nearby

Price per ft²$229
CheaperTypical $254Pricier

Pricier than 29% of homes nearby

Living area1,476 ft²
SmallerTypical 1,632 ft²Bigger

Bigger than 41% of homes nearby

Lot size0.2 ac
SmallerTypical 0.5 acBigger

Bigger than 14% of homes nearby

Year built1910
OlderTypical 1964Newer

Newer than 14% of homes nearby

How 31 Prospect St ranks against every home in each area.
MeasureThis homeWestfield 01085Hampden County
Estimated valuepricier than$337,44330% of homes49% of homes
Price per ft²pricier than$22929% of homes37% of homes
Living areabigger than1,476 ft²41% of homes46% of homes
Lot sizebigger than0.2 ac14% of homes31% of homes
Year builtnewer than191014% of homes12% of homes

About 31 Prospect St

How much is 31 Prospect St, Westfield, MA worth?

The TopHap Estimate for 31 Prospect St, Westfield, MA is $337,443 as of Jul 14, 2026. The likely range is $321,203 to $353,683. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 31 Prospect St, Westfield, MA last sell?

31 Prospect St, Westfield, MA last sold on Oct 27, 2017 for $179,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 31 Prospect St, Westfield, MA?

31 Prospect St, Westfield, MA has 4 bedrooms, 1 bathrooms, 1,476 square feet of living space and a 0.20-acre lot.

When was 31 Prospect St, Westfield, MA built?

31 Prospect St, Westfield, MA was built in 1910, making it 116 years old. It is a conventional home. The building has 3 stories.

What schools serve 31 Prospect St, Westfield, MA?

31 Prospect St, Westfield, MA is assigned to Westfield High School (high), rated B-; Southampton Road Elementary School (elementary), rated D+; Westfield Middle School (middle), rated C-. All sit in Westfield School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 31 Prospect St, Westfield, MA compare to other homes in Westfield 01085?

Among the 11,970 homes in Westfield 01085, it is worth more than 30% of them ($337,443 against a typical $385,693), its price per square foot is higher than 29% of them ($229 against a typical $254), it is bigger than 41% of them (1,476 ft² against a typical 1,632 ft²), its lot is bigger than 14% of them (0.2 ac against a typical 0.5 ac) and it is newer than 14% of them (1910 against a typical 1964). Measured against all of Hampden County, it is worth more than 49% 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 31 Prospect St, Westfield, MA?

The 2025 property tax bill for 31 Prospect St, Westfield, MA was $4,055. The county assessed it at $267,100.

Closest homes

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Assigned schools

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