16 Willow St, Holyoke, MA 01040 Property Records

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

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,915 sqft · built 1910
Lot Size	0.155 acres (6,752 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Feb 2020)
Tax Bill	$6,189 (2026)
Deeds & Mortgages	Feb 2020 Sale & Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HOLY M:0113 B:0000 L:60`

Property Details

APN / Parcel Number

Primary APN	`HOLY M:0113 B:0000 L:60`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,915 sqft Living Area
Gross Area	3,648 sqft
Basement Area	855 sqft
Unfinished Basement	855 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	6,752 sqft (0.155 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	16 WILLOW ST
City	HOLYOKE
State	MA
Zip	01040-3525
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R-2
Legal Lot Number	60
Jurisdiction	HOLYOKE MA
Township / Civil Division	HOLYOKE
Census Block Group	2
Census Block	2004
Census Tract	812104

Owner

16 Willow St, a duplex, is owned and occupied by an individual who bought it in February 2020.

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

Owner of Record	Individual Name on File
Mailing Address	16 WILLOW ST, HOLYOKE, MA 01040-3525
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
Feb 27, 2020	Warranty Deed, Subdivision Related Transfer · Stand-Alone First Mortgage CITIZENS BANK OF RHODE ISLAND
Feb 27, 2018	Warranty Deed, Transfer JAY N MICHELMAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2020 · Amount on File
Deed Sale	Feb 27, 2020 · Amount on File
Prior Sale	Nov 2, 2018 · Amount on File
Deed Document Number	202010750
Deed Book / Page	23104 / 18
Transfer Doc	9651000433
Record Updated	Oct 29, 2026

February 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	HOLYOKE MA
Recording Date	Feb 27, 2020
Property Address	16 WILLOW ST, HOLYOKE, MA 01040-3525
Document Number	23104-18
Book / Page	23104 / 18
Instrument Date	Feb 20, 2020
Instrument	10750
Transaction Type	Subdivision Related Transfer
Record Updated	May 11, 2021

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	82 RIVERS AVE APT 3, 3, CHICOPEE, MA 01013-4132

Mortgage

Document Number	10751
Date	Feb 27, 2020
Instrument	10751

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOLYOKE MA
Recording Date	Feb 27, 2018
Property Address	16 WILLOW ST, HOLYOKE, MA 01040-3525
Document Number	22075-231
Book / Page	022075 / 000231
Instrument Date	Feb 26, 2018
Instrument	10346
Transaction Type	Transfer
Record Updated	Mar 20, 2018

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$209.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	346 RACE ST HOLYOKE MA 010405613, HOLYOKE, MA 01040-5613

Mortgage

Document Number	22075-233
Date	Feb 27, 2018
Book Page	022075/000233
Instrument	10347

Lender

Name	JAY N MICHELMAN

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 16 Willow St was $6,189, 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	$6,189.00 (+6.8%)	$355,100 (+6.99%) Land $44,900 Building $310,200	$374,103
2025	$5,795.00 (+10.28%)	$331,900 (+19.69%) Land $42,000 Building $289,900
2024	$5,255.00 (+8.78%)	$277,300 (+7.69%) Land $39,800 Building $237,500
2023	$4,831.00	$257,500 Land $39,800 Building $217,700

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

Flood

FEMA maps place 16 Willow 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 Willow 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 286 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

May also be available: Netafy.

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