10 James St, Holyoke, MA 01040 Property Records

Hampden County and Holyoke City property record for 10 James St, Holyoke, MA 01040 · Last verified April 2026

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 1,764 sqft · built 1920
Lot Size	0.144 acres (6,251 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Apr 2021)
Tax Bill	$5,933 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`HOLY M:0082 B:0000 L:55`

Property Details

APN / Parcel Number

Primary APN	`HOLY M:0082 B:0000 L:55`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,764 sqft Living Area
Gross Area	3,298 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1975
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,251 sqft (0.144 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10 JAMES ST
City	HOLYOKE
State	MA
Zip	01040-3442
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Lot Number	55
Jurisdiction	HOLYOKE MA
Township / Civil Division	HOLYOKE
Census Block Group	1
Census Block	1002
Census Tract	812103

Owner

Source: Hampden County and Holyoke City records · APN HOLY M:0082 B:0000 L:55

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	10 JAMES ST, HOLYOKE, MA 01040-3442
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 08, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage INLAND BANK & TRUST
Apr 14, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) INLAND BANK & TRUST
Apr 14, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage INLAND BANK & TRUST
Feb 03, 2021	Deed of Trust, Mortgage · Line of Credit HOLYOKE CU
Jul 19, 2017	Deed of Trust, Mortgage WESTFIELD BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 14, 2021 · Amount on Record
Deed Sale	Apr 14, 2021 · Amount on Record
Prior Sale	Mar 31, 2003 · Amount on Record
Deed Document Number	202125263
Deed Book / Page	23824 / 193
Transfer Doc	21076-243
Record Updated	Jun 08, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	10 JAMES ST, HOLYOKE, MA 01040-3442
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023928-361
Date	Jun 08, 2021
Book Page	23928/361
Instrument	39229

Lender

Name	INLAND BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	10 JAMES ST, HOLYOKE, MA 01040-3442
Transaction Type	Mortgage
Record Updated	Apr 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23824-210
Date	Apr 14, 2021
Book Page	23824/210
Instrument	25265

Lender

Name	INLAND BANK & TRUST
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	May 01, 2036

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	Apr 14, 2021
Property Address	10 JAMES ST, HOLYOKE, MA 01040-3442
Document Number	23824-193
Book / Page	23824 / 193
Instrument Date	Apr 13, 2021
Instrument	25263
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 JAMES ST, HOLYOKE, MA 01040-3442

Mortgage

Document Number	25264
Date	Apr 14, 2021
Instrument	25264

Lender

Name	INLAND BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	10 JAMES ST, HOLYOKE, MA 01040-3442
Transaction Type	Mortgage
Record Updated	Feb 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23691-189
Date	Feb 03, 2021
Book Page	23691/189
Instrument	8009

Lender

Name	HOLYOKE CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	10 JAMES ST, HOLYOKE, MA 01040-3442
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21771-74
Date	Jul 19, 2017
Book Page	21771/74
Instrument	40595

Lender

Name	WESTFIELD BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2047

Tax Assessment & Valuation

Source: Hampden County and Holyoke City records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
Municipality	Holyoke City
Unified School District	Holyoke School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$5,933.00 (+10.2%)	$339,800 (+19.61%) Land $41,900 Building $297,900
2024	$5,384.00 (+8.55%)	$284,100 (+7.45%) Land $39,700 Building $244,400
2023	$4,960.00	$264,400 Land $39,700 Building $224,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hampden County (25013C), updated June 7, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250138121031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (2003)
Claims Outside the SFHA	4 of 4
Most Recent Claim	May 2003, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 286 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Netafy. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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