43 Downing Ave, Holyoke, MA 01040 Property Records

Hampden County and Holyoke City property record for 43 Downing Ave, Holyoke, MA 01040

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,731 sqft · built 1956
Lot Size	0.344 acres (14,976 sqft)
Owner	Trust Name on File
Last Sale	$300,000 (Dec 2023)
Tax Bill	$5,426 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jan 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`HOLY M:0153 B:0000 L:87`

Property Details

APN / Parcel Number

Primary APN	`HOLY M:0153 B:0000 L:87`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,731 sqft Living Area
Gross Area	3,301 sqft
Basement Area	1,300 sqft
Unfinished Basement	910 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Split Level
Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,976 sqft (0.344 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	43 DOWNING AVE
City	HOLYOKE
State	MA
Zip	01040-1139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1A
Legal Subdivision	DURKEE WHITE
Legal Lot Number	87
Jurisdiction	HOLYOKE MA
Township / Civil Division	HOLYOKE
Census Block Group	3
Census Block	3003
Census Tract	812101

Owner

43 Downing Ave is owner-occupied and held in a trust since December 2023.

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

Owner of Record	Trust Name on File
Mailing Address	43 DOWNING AVE, HOLYOKE, MA 01040-1139
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
Dec 8, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FREEDOM CU
Jan 26, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2023 · Amount on File
Deed Sale	Dec 8, 2023 · Amount on File
Prior Sale	Nov 13, 2001 · Amount on File
Deed Document Number	202358411
Deed Book / Page	25254 / 445
Record Updated	Oct 29, 2026

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	Dec 8, 2023
Property Address	43 DOWNING AVE, HOLYOKE, MA 01040-1139
Document Number	025254-445
Book / Page	25254 / 445
Instrument Date	Dec 8, 2023
Instrument	58411
Transaction Type	Transfer
Record Updated	Dec 22, 2023

Transaction

Amount	Amount on Record
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	11 LEDGEWOOD RD, FRAMINGHAM, MA 01701-3626

Mortgage

Document Number	0000058412
Date	Dec 8, 2023
Instrument	58412

Lender

Name	FREEDOM CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Type Change Date	Jan 1, 2031
Max Rate At Change	2.75%
Index	1-Year CMT

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	Jan 26, 2021
Property Address	43 DOWNING AVE, HOLYOKE, MA 01040-1139
Document Number	23671-167
Book / Page	23671 / 167
Instrument Date	Jan 25, 2021
Instrument	5585
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1041 10TH AVE, FOLSOM, PA 19033-1113

Tax Assessment & Valuation

The 2026 property tax bill for 43 Downing Ave was $5,426, 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	$5,426.00 (+6.83%)	$311,300 (+7.01%) Land $78,200 Building $221,300	$306,455 (-2.13%)
2025	$5,079.00 (+3.53%)	$290,900 (+12.36%) Land $73,000 Building $217,900	$313,120 (+12.03%)
2024	$4,906.00 (+4.36%)	$258,900 (+3.31%) Land $69,600 Building $189,300	$279,490
2023	$4,701.00	$250,600 Land $69,600 Building $181,000

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

Flood

FEMA maps place 43 Downing Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

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 Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2026 · 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 43 Downing Ave is low, with 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 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 342 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, T-Mobile.

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