16 Charles St, Holyoke, MA 01040 Property Records

Hampden County and Holyoke City property record for 16 Charles St, Holyoke, MA 01040

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,668 sqft · built 1882
Lot Size	0.144 acres (6,268 sqft)
Owner	Individual Name on File
Last Sale	$293,000 (Nov 2025)
Tax Bill	$4,725 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HOLY M:0081 B:0000 L:56`

Property Details

APN / Parcel Number

Primary APN	`HOLY M:0081 B:0000 L:56`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,668 sqft Living Area
Gross Area	3,598 sqft
Basement Area	834 sqft
Unfinished Basement	834 sqft

Exterior

Year Built	Built 1882
Effective Year Built	Effective 1882
Architectural Style	Colonial
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,268 sqft (0.144 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	16 CHARLES ST
City	HOLYOKE
State	MA
Zip	01040-3506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Lot Number	56
Jurisdiction	HOLYOKE MA
Township / Civil Division	HOLYOKE
Census Block Group	2
Census Block	2009
Census Tract	812104

Owner

16 Charles St is owned and occupied by an individual who bought it in November 2025.

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

Owner of Record	Individual Name on File
Mailing Address	16 CHARLES ST, HOLYOKE, MA 01040-3506
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Nov 21, 2025	Quit Claim Deed, Transfer · Conventional Mortgage MEMBER ADVANTAGE MORTGAGE LLC
Sep 9, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FREEDOM CU
Nov 3, 2021	Quit Claim Deed, Construction Loan · Construction Mortgage STRAIGHTLINE FUNDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2025 · Amount on File
Deed Sale	Nov 21, 2025 · Amount on File
Prior Sale	Sep 9, 2022 · Amount on File
Deed Book / Page	26122 / 267
Record Updated	Oct 29, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	Nov 21, 2025
Property Address	16 CHARLES ST, HOLYOKE, MA 01040-3506
Document Number	026122-267
Book / Page	26122 / 267
Instrument Date	Nov 21, 2025
Instrument	56289
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	16 CHARLES ST, HOLYOKE, MA 01040-3506

Mortgage

Document Number	0000056290
Date	Nov 21, 2025
Instrument	56290

Lender

Name	MEMBER ADVANTAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	Sep 9, 2022
Property Address	16 CHARLES ST, HOLYOKE, MA 01040-3506
Document Number	024719-215
Book / Page	24719 / 215
Instrument Date	Sep 9, 2022
Instrument	54744
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	2054 NORTHAMPTON ST, HOLYOKE, MA 01040-3434

Mortgage

Document Number	0000054745
Date	Sep 9, 2022
Instrument	54745

Lender

Name	FREEDOM CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Oct 1, 2029
Max Rate At Change	2.75%
Index	1-Year CMT

November 2021: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	Nov 3, 2021
Property Address	16 CHARLES ST, HOLYOKE, MA 01040-3506
Document Number	024224-521
Book / Page	24224 / 521
Instrument Date	Nov 3, 2021
Instrument	78319
Transaction Type	Construction Loan
Record Updated	Jan 26, 2026

Transaction

Amount	Amount on Record
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	39 INTERVALE RD, DUDLEY, MA 01571-6913

Mortgage

Document Number	0000078320
Date	Nov 3, 2021
Instrument	78320

Lender

Name	STRAIGHTLINE FUNDING

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 16 Charles St was $4,725, 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	$4,725.00 (+6.8%)	$271,100 (+6.99%) Land $44,800 Building $226,300	$276,661 (-4.14%)
2025	$4,424.00 (+6.45%)	$253,400 (+15.55%) Land $41,900 Building $211,500	$288,610 (+1.44%)
2024	$4,156.00 (+54.38%)	$219,300 (+52.82%) Land $39,700 Building $179,600	$284,525
2023	$2,692.00	$143,500 Land $39,700 Building $103,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 16 Charles St 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

The area around 16 Charles St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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 499 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Netafy Fixed Wireless	150 / 150

May also be available: HGE.NET, T-Mobile.

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