321 Walnut St, Holyoke, MA 01040 Property Records

Hampden County and Holyoke City property record for 321 Walnut St, Holyoke, MA 01040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,476 sqft · built 2005
Lot Size	0.089 acres (3,881 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Oct 2016)
Tax Bill	$4,590 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Apr 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`HOLY M:0003 B:0003 L:2`

Property Details

APN / Parcel Number

Primary APN	`HOLY M:0003 B:0003 L:2`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,476 sqft Living Area
Gross Area	2,347 sqft
Basement Area	738 sqft
Unfinished Basement	738 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,881 sqft (0.089 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	321 WALNUT ST
City	HOLYOKE
State	MA
Zip	01040-3872
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DR
Legal Block	3
Legal Lot Number	2
Jurisdiction	HOLYOKE MA
Township / Civil Division	HOLYOKE
Census Block Group	4
Census Block	4000
Census Tract	811600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	321 WALNUT ST, HOLYOKE, MA 01040-3872
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 1, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2016 · Amount on Record
Deed Sale	Oct 14, 2016 · Amount on Record
Prior Sale	Feb 17, 2006 · Amount on Record
Deed Book / Page	21401 / 161
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	321 WALNUT ST, HOLYOKE, MA 01040-3872
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026085-577
Date	Oct 28, 2025
Book Page	26085/577
Instrument	51383

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	321 WALNUT ST, HOLYOKE, MA 01040-3872
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025811-72
Date	Apr 1, 2025
Book Page	25811/72
Instrument	14079

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate

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
2025	$4,590.00 (+10.1%)	$262,900 (+19.5%) Land $36,000 Building $226,900	$254,600 (+0.11%)
2024	$4,169.00 (+4.88%)	$220,000 (+3.82%) Land $34,200 Building $185,800	$254,315
2023	$3,975.00	$211,900 Land $34,200 Building $177,700

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

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Netafy Fixed Wireless	150 / 150
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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