23 Vernon St, #25, Holyoke, MA 01040 Property Records

Hampden County and Holyoke City property record for 23 Vernon St, #25, Holyoke, MA 01040

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,986 sqft · built 1870
Lot Size	0.144 acres (6,251 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Apr 2023)
Tax Bill	$4,351 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Apr 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HOLY M:0082 B:0000 L:79`

Property Details

APN / Parcel Number

Primary APN	`HOLY M:0082 B:0000 L:79`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,986 sqft Living Area
Gross Area	3,663 sqft
Basement Area	1,356 sqft
Unfinished Basement	1,356 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,251 sqft (0.144 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	23 VERNON ST, 25
City	HOLYOKE
State	MA
Zip	01040-3425
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	DR
Legal Lot Number	79
Jurisdiction	HOLYOKE MA
Township / Civil Division	HOLYOKE
Census Block Group	1
Census Block	1003
Census Tract	812103

Owner

23 Vernon St, #25 is owned and occupied by two individuals who bought it in April 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	23 VERNON ST, 25, HOLYOKE, MA 01040-3425
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jan 26, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 11, 2023	Quit Claim Deed, Transfer
Jun 8, 2018	Quit Claim Deed, Transfer · ARM EASTHAMPTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2023 · Amount on File
Deed Sale	Apr 11, 2023 · Amount on File
Prior Sale	Jan 7, 2011 · Amount on File
Deed Document Number	202316202
Deed Book / Page	24967 / 118
Prior Transfer Date	Apr 10, 2023
Prior Transfer Doc	024967-118
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	23 VERNON ST # 25, 25, HOLYOKE, MA 01040-3425
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026197-594
Date	Jan 26, 2026
Book Page	26197/594
Instrument	3405

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Feb 1, 2053

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	Apr 11, 2023
Property Address	23-25 VERNON ST, HOLYOKE, MA 01040
Document Number	024967-118
Book / Page	24967 / 118
Instrument Date	Apr 10, 2023
Instrument	16202
Transaction Type	Transfer
Record Updated	Apr 28, 2023

Transaction

Amount	Amount 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
Relationship	Tenants by the Entirety
Address	23 VERNON ST # 25, 25, HOLYOKE, MA 01040-3425

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	Jun 8, 2018
Property Address	23-25 VERNON ST, HOLYOKE, MA 01040
Document Number	22209-278
Book / Page	22209 / 278
Instrument	31811
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$24.52
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 VERNON ST # 25, 25, HOLYOKE, MA 01040-3425

Mortgage

Document Number	22209-281
Date	Jun 8, 2018
Book Page	22209/281
Instrument	31812

Lender

Name	EASTHAMPTON SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	300 Months
Due	Jun 1, 2043

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

The 2026 property tax bill for 23 Vernon St, #25 was $4,351, 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	$4,351.00 (+6.83%)	$249,600 (+6.99%) Land $44,800 Building $204,800	$297,403
2025	$4,073.00 (+9.17%)	$233,300 (+18.49%) Land $41,900 Building $191,400
2024	$3,731.00 (+8.21%)	$196,900 (+7.13%) Land $39,700 Building $157,200
2023	$3,448.00	$183,800 Land $39,700 Building $144,100

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

Flood

FEMA maps place 23 Vernon St, #25 in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2003.

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
Nearby Flood Claims	4 (2003)
Claims Outside the SFHA	4 of 4
Most Recent Claim	May 2003 · rainfall accumulation

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 23 Vernon St, #25 is low, with less than 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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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 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.

Nearby Properties on Vernon St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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