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Single Family ResidenceResidential
$336,796$253 / 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 $100,900 on May 22, 1992

97 RIDGEWAY ST

WESTFIELD, MA 01085
2
Beds
2
Baths
1,333 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.
0.66 ac
Lot SizeThe size of the land the home sits on, from county records.
1954
Year BuiltThe year the home was originally built, according to county records.
2
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

$337K
$321K low$352K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$100,900 · May 22, 1992
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.$173,896
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$139,117
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.48%
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.$83,200
BAYBANK MORTGAGE CORP · recorded Jan 25, 1994
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.$60,000
POLISH NATIONAL CU
3rd 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.$19,700

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,522 (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.$297,900 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$121,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$176,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$316,350

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.19 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
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.Cape Cod
CountyHAMPDEN
Lot (acres)The size of the land the home sits on, from county records.0.66
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.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
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.

E
Highland Elementary SchoolB-
Elementary · Grades KG–4 · 0.4 mi
M
Westfield Middle SchoolC-
Middle · Grades 7–8 · 1.2 mi
H
Westfield High SchoolB-
High · Grades 9–12 · 1.7 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

97 Ridgeway 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 69% of homes in Westfield 01085
  • Smaller than 68% of homes in Westfield 01085
  • Has a bigger lot than 75% 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
$195K$759K

This home is worth more than 31% 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$336,796
CheaperTypical $384,933Pricier

Pricier than 31% of homes nearby

Price per ft²$253
CheaperTypical $254Pricier

Pricier than 49% of homes nearby

Living area1,333 ft²
SmallerTypical 1,632 ft²Bigger

Bigger than 32% of homes nearby

Lot size0.66 ac
SmallerTypical 0.5 acBigger

Bigger than 66% of homes nearby

Year built1954
OlderTypical 1964Newer

Newer than 36% of homes nearby

How 97 Ridgeway St ranks against every home in each area.
MeasureThis homeWestfield 01085Hampden County
Estimated valuepricier than$336,79631% of homes49% of homes
Price per ft²pricier than$25349% of homes56% of homes
Living areabigger than1,333 ft²32% of homes37% of homes
Lot sizebigger than0.66 ac66% of homes75% of homes
Year builtnewer than195436% of homes46% of homes

About 97 Ridgeway St

How much is 97 Ridgeway St, Westfield, MA worth?

The TopHap Estimate for 97 Ridgeway St, Westfield, MA is $336,796 as of Jul 14, 2026. The likely range is $321,182 to $352,410. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 97 Ridgeway St, Westfield, MA last sell?

97 Ridgeway St, Westfield, MA last sold on May 22, 1992 for $100,900, according to the county's recorded deed.

How big is 97 Ridgeway St, Westfield, MA?

97 Ridgeway St, Westfield, MA has 2 bedrooms, 2 bathrooms, 1,333 square feet of living space and a 0.66-acre lot.

When was 97 Ridgeway St, Westfield, MA built?

97 Ridgeway St, Westfield, MA was built in 1954, making it 72 years old. It is a cape cod home. The building has 2 stories.

What schools serve 97 Ridgeway St, Westfield, MA?

97 Ridgeway St, Westfield, MA is assigned to Highland Elementary School (elementary), rated B-; 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 97 Ridgeway St, Westfield, MA compare to other homes in Westfield 01085?

Among the 11,970 homes in Westfield 01085, it is worth more than 31% of them ($336,796 against a typical $384,933), its price per square foot is higher than 49% of them ($253 against a typical $254), it is bigger than 32% of them (1,333 ft² against a typical 1,632 ft²), its lot is bigger than 66% of them (0.66 ac against a typical 0.5 ac) and it is newer than 36% of them (1954 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 97 Ridgeway St, Westfield, MA?

The 2025 property tax bill for 97 Ridgeway St, Westfield, MA was $4,522. The county assessed it at $297,900.

Closest homes

More homes in Westfield 01085

Assigned schools

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