15 Cypress Rd, Holyoke, MA 01040 Property Records

Hampden County and Holyoke City property record for 15 Cypress Rd, Holyoke, MA 01040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,628 sqft · built 1990
Lot Size	0.642 acres (27,979 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,526 (2026)
Deeds & Mortgages	Jul 2021 Line of Credit Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HOLY M:0204 B:0000 L:57`

Property Details

APN / Parcel Number

Primary APN	`HOLY M:0204 B:0000 L:57`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,628 sqft Living Area
Gross Area	3,214 sqft
Basement Area	850 sqft
Unfinished Basement	850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,979 sqft (0.642 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15 CYPRESS RD
City	HOLYOKE
State	MA
Zip	01040-9637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	57
Jurisdiction	HOLYOKE MA
Township / Civil Division	HOLYOKE
Census Block Group	1
Census Block	1005
Census Tract	812101

Owner

15 Cypress Rd is owned and occupied by two individuals.

Source: Hampden County and Holyoke City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	15 CYPRESS RD, HOLYOKE, MA 01040-9637
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	15 CYPRESS RD, HOLYOKE, MA 01040-9637
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023997-29
Date	Jul 14, 2021
Book Page	23997/29
Instrument	48576

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2046

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	15 CYPRESS RD, HOLYOKE, MA 01040-9637
Document Number	21903-66
Book / Page	021903 / 000066
Instrument Date	Oct 10, 2017
Transaction Type	Mortgage
Record Updated	Nov 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21903-66
Date	Oct 16, 2017
Book Page	021903/000066
Instrument	61040

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 15 Cypress Rd was $6,526, up 6.8% from the year before.

Source: Hampden County and Holyoke City assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,526.00 (+6.83%)	$374,400 (+7%) Land $73,600 Building $299,600	$382,338 (+2.88%)
2025	$6,109.00 (+4.02%)	$349,900 (+12.91%) Land $68,800 Building $281,100	$371,640 (+7.71%)
2024	$5,873.00 (+4.78%)	$309,900 (+3.71%) Land $65,500 Building $244,400	$345,040
2023	$5,605.00	$298,800 Land $65,500 Building $233,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 15 Cypress Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

Wildfire

Wildfire risk around 15 Cypress Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HOLYOKE WATER WORKS serves 37,838 people · EPA ID MA1137000
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	9 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Cable	1,000 / 1,000
Netafy Fixed Wireless	150 / 150
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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