Hampden County and Holyoke City property record for 45 Ridgeway St, Holyoke, MA 01040
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,652 sqft · built 1964 |
| Lot Size | 0.22 acres (9,601 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $200,000 (Mar 2021) |
| Tax Bill | $4,119 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | HOLY M:0155 B:0000 L:56 |
| Primary APN | HOLY M:0155 B:0000 L:56 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,652 sqft Living Area |
| Gross Area | 2,238 sqft |
| Basement Area | 1,101 sqft |
| Unfinished Basement | 550 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,601 sqft (0.22 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 45 RIDGEWAY ST |
|---|---|
| City | HOLYOKE |
| State | MA |
| Zip | 01040-1045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1A |
| Legal Lot Number | 56 |
| Jurisdiction | HOLYOKE MA |
| Township / Civil Division | HOLYOKE |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 812101 |
Source: Hampden County and Holyoke City records, as of October 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 | 45 RIDGEWAY ST, HOLYOKE, MA 01040-1045 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 15, 2026 | Deed of Trust, Mortgage · Line of Credit PEOPLES BANK HOLYOKE |
| Mar 18, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage PEOPLESBANK (HOLYOKE MA) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 18, 2021 · Amount on Record |
| Deed Sale | Mar 18, 2021 · Amount on Record |
| Prior Sale | Aug 31, 2007 · Amount on Record |
| Deed Document Number | 202118473 |
| Deed Book / Page | 23770 / 328 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOLYOKE MA |
| Recording Date | May 15, 2026 |
| Property Address | 45 RIDGEWAY ST, HOLYOKE, MA 01040-1045 |
| Document Number | 026332-461 |
| Book / Page | 26332 / 461 |
| Instrument Date | May 9, 2026 |
| Instrument | 202621611 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 45 RIDGEWAY ST, HOLYOKE, MA 01040-1045 |
| Document Number | 0000021611, |
|---|---|
| Date | May 15, 2026 |
| Book Page | 26332/461 |
| Instrument | 202621611 |
| Name | PEOPLES BANK HOLYOKE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 1, 2046 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HOLYOKE MA |
| Recording Date | Mar 18, 2021 |
| Property Address | 45 RIDGEWAY ST, HOLYOKE, MA 01040-1045 |
| Document Number | 23770-328 |
| Book / Page | 23770 / 328 |
| Instrument Date | Mar 18, 2021 |
| Instrument | 18473 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 17 MORGAN ST, HOLYOKE, MA 01040-2013 |
| Document Number | 18474 |
|---|---|
| Date | Mar 18, 2021 |
| Instrument | 18474 |
| Name | PEOPLESBANK (HOLYOKE MA) |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Hampden County and Holyoke City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Holyoke City |
| Unified School District | Holyoke School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,119.00 (+6.85%) | $236,300 (+7.02%) Land $66,900 Building $168,900 | $275,339 (-16.72%) |
| 2025 | $3,855.00 (+5.41%) | $220,800 (+14.4%) Land $62,500 Building $158,300 | $330,600 (+5.52%) |
| 2024 | $3,657.00 (+4.19%) | $193,000 (+3.15%) Land $59,600 Building $133,400 | $313,310 |
| 2023 | $3,510.00 | $187,100 Land $59,600 Building $127,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 304 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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