643 E Broad St

Step 1 · Market value

Likely range $1,282,597 – $1,906,093, from 12 comparable Westfield sales in the past 18 months (home size estimated from assessor data — range widened).

Step 2 · The Director's Ratio

The state's official measure of how far Westfield assessments sit below market value — republished every October, applied town-wide. A $1,512,899 home should be assessed near $1,096,549.

Step 3 · Assessed value

Set at the last town-wide revaluation and mostly frozen since. That's $185,749 below what the ratio math suggests (16.9%).

Step 4 · The tax rate — same for every Westfield home

$1.428 Schools · 62% $0.455 County · 20% $0.409 Town · 18%

Westfield also levies a Special Improvement District charge inside its district boundaries — the county roll doesn't say which homes are in it, but a bill's "IMPROVEMENT DISTRICT" line does. District homes pay $2.396 per $100 all-in (+$0.105).

Step 5 · The bill

This home vs. every recent Westfield sale · assessed ÷ market

42%89%

The evidence · comparable sales (SR1A usable-sale records)