20 School St, Holyoke, MA 01040 Property Records

Hampden County and Holyoke City property record for 20 School St, Holyoke, MA 01040

Property Summary

Property Type	Duplex
Details	9 bd · 3 ba · 3,830 sqft · built 1900
Lot Size	0.103 acres (4,504 sqft)
Owner	Individual Name on Record
Last Sale	$228,000 (Nov 2021)
Tax Bill	$5,231 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HOLY M:0075 B:0004 L:13`

Property Details

APN / Parcel Number

Primary APN	`HOLY M:0075 B:0004 L:13`

Interior

Bedrooms	9 Beds
Full Baths	3 Baths
Total Rooms	16 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,830 sqft Living Area
Gross Area	7,315 sqft
Basement Area	1,696 sqft
Unfinished Basement	1,696 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,504 sqft (0.103 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	20 SCHOOL ST
City	HOLYOKE
State	MA
Zip	01040-3317
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RM20
Legal Block	4
Legal Lot Number	13
Jurisdiction	HOLYOKE MA
Township / Civil Division	HOLYOKE
Census Block Group	1
Census Block	1002
Census Tract	811800

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	20 SCHOOL ST, HOLYOKE, MA 01040-3317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Deed of Trust, Mortgage COMMERCIAL LENDER LLC
Nov 30, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2021 · Amount on Record
Deed Sale	Nov 30, 2021 · Amount on Record
Prior Sale	Apr 6, 2015 · Amount on Record
Deed Document Number	202184593
Deed Book / Page	24272 / 196
Prior Transfer Date	Nov 29, 2021
Prior Transfer Doc	024272-196
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Recording Date	Sep 21, 2026
Property Address	20 SCHOOL ST, HOLYOKE, MA 01040-3317
Document Number	0000046173
Book / Page	26519 / 99
Instrument Date	Sep 21, 2026
Instrument	202646173
Transaction Type	Mortgage
Record Updated	Oct 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046173,
Date	Sep 21, 2026
Book Page	26519/99
Instrument	202646173

Lender

Name	COMMERCIAL LENDER LLC

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Oct 1, 2027

Interest

Max Rate	-1%

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	Nov 30, 2021
Property Address	20 SCHOOL ST, HOLYOKE, MA 01040-3317
Document Number	024272-196
Book / Page	24272 / 196
Instrument Date	Nov 29, 2021
Instrument	84593
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
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	100 PIEDMONT ST, SPRINGFIELD, MA 01104-2042

Mortgage

Document Number	0000084594
Date	Nov 30, 2021
Instrument	84594

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$5,231.00 (+6.8%)	$300,100 (+6.99%) Land $44,400 Building $255,700	$318,644
2025	$4,898.00 (+6.55%)	$280,500 (+15.62%) Land $41,500 Building $239,000
2024	$4,597.00 (+8.57%)	$242,600 (+7.49%) Land $39,300 Building $203,300
2023	$4,234.00	$225,700 Land $39,300 Building $186,400

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	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 519 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on School St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures