45 Laurel St, Holyoke, MA 01040 Property Records

Hampden County and Holyoke City property record for 45 Laurel St, Holyoke, MA 01040

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,764 sqft · built 1895
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$196,100 (Jan 2019)
Tax Bill	$5,065 (2026)
Deeds & Mortgages	Mar 2021 Refinance Oct 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`HOLY M:0113 B:0000 L:30`

Property Details

APN / Parcel Number

Primary APN	`HOLY M:0113 B:0000 L:30`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,764 sqft Living Area
Gross Area	4,170 sqft
Basement Area	858 sqft
Unfinished Basement	858 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,000 sqft (0.161 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	45 LAUREL ST
City	HOLYOKE
State	MA
Zip	01040-3511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Lot Number	30
Jurisdiction	HOLYOKE MA
Township / Civil Division	HOLYOKE
Census Block Group	2
Census Block	2014
Census Tract	812104

Owner

45 Laurel St is owned and occupied by an individual who bought it in January 2019.

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

Owner of Record	Individual Name on File
Mailing Address	45 LAUREL ST, HOLYOKE, MA 01040-3511
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLESBANK (HOLYOKE MA)
Oct 9, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GREENFIELD SAVINGS BANK
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLESBANK (HOLYOKE MA)
Jan 10, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GREENFIELD SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2019 · Amount on File
Deed Sale	Jan 10, 2019 · Amount on File
Prior Sale	Sep 24, 2001 · Amount on File
Deed Document Number	20191503
Deed Book / Page	22516 / 381
Prior Transfer Date	Dec 31, 2018
Prior Transfer Doc	22516-381
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	45 LAUREL ST, HOLYOKE, MA 01040-3511
Transaction Type	Mortgage
Record Updated	Apr 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23785-581
Date	Mar 26, 2021
Book Page	23785/581
Instrument	20375

Lender

Name	PEOPLESBANK (HOLYOKE MA)

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	45 LAUREL ST, HOLYOKE, MA 01040-3511
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22893-65
Date	Oct 9, 2019
Book Page	22893/65
Instrument	58572

Lender

Name	GREENFIELD SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	45 LAUREL ST, HOLYOKE, MA 01040-3511
Document Number	23513-507
Instrument Date	Oct 29, 2020
Transaction Type	Mortgage
Record Updated	Nov 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 LAUREL ST HOLYOKE MA 010403511, HOLYOKE, MA 01040-3511

Mortgage

Document Number	23513-507
Date	Nov 3, 2020
Book Page	023513/000507
Instrument	64540

Lender

Name	PEOPLESBANK (HOLYOKE MA)

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	Jan 10, 2019
Property Address	45 LAUREL ST, HOLYOKE, MA 01040-3511
Document Number	22516-381
Book / Page	22516 / 381
Instrument Date	Dec 31, 2018
Instrument	1503
Transaction Type	Transfer
Record Updated	May 11, 2021

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	19 RIDGEWOOD AVE, HOLYOKE, MA 01040-1821

Mortgage

Document Number	1504
Date	Jan 10, 2019
Instrument	1504

Lender

Name	GREENFIELD SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 45 Laurel St was $5,065, up 6.9% 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	$5,065.00 (+6.86%)	$290,600 (+7.03%) Land $45,000 Building $234,300	$303,405 (-2.15%)
2025	$4,740.00 (+5.64%)	$271,500 (+14.65%) Land $42,000 Building $229,500	$310,080 (+9.6%)
2024	$4,487.00 (+4.81%)	$236,800 (+3.77%) Land $39,900 Building $196,900	$282,910
2023	$4,281.00	$228,200 Land $39,900 Building $188,300

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

Flood

FEMA maps place 45 Laurel St in Zone X, an area of minimal flood risk.

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

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 45 Laurel St 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 499 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

May also be available: HGE.NET, T-Mobile.

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