1820 Northampton St, Holyoke, MA 01040 Property Records

Hampden County and Holyoke City property record for 1820 Northampton St, Holyoke, MA 01040

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	5 bd · 3 ba · 6,035 sqft · built 1934
Lot Size	0.237 acres (10,311 sqft)
Owner	Individual Name on Record
Tax Bill	$10,087 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Feb 2023 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`HOLY M:0109 B:0000 L:54`

Property Details

APN / Parcel Number

Primary APN	`HOLY M:0109 B:0000 L:54`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	3 Stories
Building Area	6,035 sqft Total Area
Gross Area	7,910 sqft
Basement Area	2,062 sqft
Unfinished Basement	1,031 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,311 sqft (0.237 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	1820 NORTHAMPTON ST
City	HOLYOKE
State	MA
Zip	01040-1923
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	RO
Legal Lot Number	54
Jurisdiction	HOLYOKE MA
Township / Civil Division	HOLYOKE
Census Block Group	4
Census Block	4009
Census Tract	812002

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1820 NORTHAMPTON ST, HOLYOKE, MA 01040-1923
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · FHA Mortgage NORTHPOINT MORTGAGE
Feb 8, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WESTFIELD BANK FSB
Dec 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WESTFIELD BANK FSB
Aug 8, 2017	Deed of Trust, Mortgage · Commercial Mortgage WESTFIELD BANK
Jun 12, 2020	Deed of Trust, Mortgage · Balloon Mortgage WESTFIELD BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Recording Date	Aug 12, 2026
Property Address	1820 NORTHAMPTON ST, HOLYOKE, MA 01040-1923
Document Number	0000038455
Book / Page	26460 / 590
Instrument Date	Aug 7, 2026
Instrument	202638455
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1820 NORTHAMPTON ST, HOLYOKE, MA 01040-1923

Mortgage

Document Number	0000038455,
Date	Aug 12, 2026
Book Page	26460/590
Instrument	202638455

Lender

Name	NORTHPOINT MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	1820 NORTHAMPTON ST, HOLYOKE, MA 01040-1923
Transaction Type	Mortgage
Record Updated	Feb 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024903-25
Date	Feb 8, 2023
Book Page	24903/25
Instrument	6217

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2048

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	1820 NORTHAMPTON ST, HOLYOKE, MA 01040-1923
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024330-449
Date	Dec 29, 2021
Book Page	24330/449
Instrument	92910

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2032

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	1820 NORTHAMPTON ST, HOLYOKE, MA 01040-1923
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21802-196
Date	Aug 8, 2017
Book Page	21802/196
Instrument	45472

Lender

Name	WESTFIELD BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2027

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	1820 NORTHAMPTON ST, HOLYOKE, MA 01040-1923
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23256-391
Date	Jun 12, 2020
Book Page	23256/391
Instrument	30356

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2045

Tax Assessment & Valuation

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	$10,087.00	$578,700 (+3.08%) Land $107,000 Building $455,900	$358,642 (-35.87%)
2025		$561,400 (+23.98%) Land $103,900 Building $457,500	$559,265 (-4.74%)
2024		$452,800 (-) Land $94,400 Building $358,400	$587,100
2023		$452,800 Land $94,400 Building $358,400

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 7, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	None beyond 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 646 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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