38 Vernon St, Holyoke, MA 01040 Property Records

Hampden County and Holyoke City property record for 38 Vernon St, Holyoke, MA 01040

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 2,306 sqft · built 1890
Lot Size	0.201 acres (8,751 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Oct 2021)
Tax Bill	$4,011 (2025)
Deeds & Mortgages	Dec 2023 Refinance Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`HOLY M:0082 B:0000 L:87`

Property Details

APN / Parcel Number

Primary APN	`HOLY M:0082 B:0000 L:87`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Units	3 Units
Stories	2 Stories
Building Area	2,306 sqft Living Area
Gross Area	4,514 sqft
Basement Area	992 sqft
Unfinished Basement	992 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Triplex
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,751 sqft (0.201 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	38 VERNON ST
City	HOLYOKE
State	MA
Zip	01040-4368
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	DR
Legal Lot Number	87
Jurisdiction	HOLYOKE MA
Township / Civil Division	HOLYOKE
Census Block Group	1
Census Block	1002
Census Tract	812103

Owner

Source: Hampden County and Holyoke City records, as of April 14, 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	38 VERNON ST, HOLYOKE, MA 01040-4368
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Oct 29, 2021	Quit Claim Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP
Aug 23, 2021	Redemption Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2021 · Amount on Record
Deed Sale	Oct 29, 2021 · Amount on Record
Prior Sale	Oct 31, 2012 · Amount on Record
Deed Document Number	202177273
Deed Book / Page	24216 / 270
Transfer Doc	16339-525
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	38 VERNON ST, HOLYOKE, MA 01040-4368
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025256-62
Date	Dec 11, 2023
Book Page	25256/62
Instrument	58615

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2049

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	Oct 29, 2021
Property Address	38 VERNON ST, HOLYOKE, MA 01040-4368
Document Number	24216-270
Book / Page	24216 / 270
Instrument Date	Oct 29, 2021
Instrument	77273
Transaction Type	Transfer
Record Updated	Nov 19, 2021

Transaction

Amount	Amount Recorded
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	38 VERNON ST APT 1, 1, HOLYOKE, MA 01040-4368

Mortgage

Document Number	77274
Date	Oct 29, 2021
Instrument	77274

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

August 2021: Redemption Deed, Transfer

Document Type	Redemption Deed
Jurisdiction	HOLYOKE MA
Recording Date	Aug 23, 2021
Property Address	38 VERNON ST, HOLYOKE, MA 01040-4368
Document Number	24075-137
Book / Page	24075 / 137
Instrument Date	Aug 19, 2021
Instrument	58981
Transaction Type	Transfer
Record Updated	Sep 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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
2025	$4,011.00 (+9.68%)	$229,700 (+19.02%) Land $42,500 Building $187,200
2024	$3,657.00 (+0.99%)	$193,000 (-) Land $40,300 Building $152,700
2023	$3,621.00	$193,000 Land $40,300 Building $152,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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 reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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.

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