49 Howard St, Holyoke, MA 01040 Property Records

Hampden County and Holyoke City property record for 49 Howard St, Holyoke, MA 01040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,660 sqft · built 1900
Lot Size	0.098 acres (4,251 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (May 2025)
Tax Bill	$6,379 (2026)
Deeds & Mortgages	May 2025 Sale & Mortgage Sep 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`HOLY M:0104 B:0000 L:92`

Property Details

APN / Parcel Number

Primary APN	`HOLY M:0104 B:0000 L:92`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,660 sqft Living Area
Gross Area	2,904 sqft
Basement Area	612 sqft
Unfinished Basement	612 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	4,251 sqft (0.098 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	49 HOWARD ST
City	HOLYOKE
State	MA
Zip	01040-2552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Lot Number	92
Jurisdiction	HOLYOKE MA
Township / Civil Division	HOLYOKE
Census Block Group	4
Census Block	4003
Census Tract	811800

Owner

49 Howard St is owned and occupied by an individual who bought it in May 2025.

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

Owner of Record	Individual Name on File
Mailing Address	49 HOWARD ST, HOLYOKE, MA 01040-2552
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
May 6, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK
Sep 11, 2023	Quit Claim Deed, Transfer SERVICELINK
Sep 16, 2022	Foreclosure
Oct 29, 2021	Redemption Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2025 · Amount on File
Deed Sale	May 6, 2025 · Amount on File
Prior Sale	Jun 11, 2024 · Amount on File
Deed Book / Page	25853 / 302
Record Updated	Oct 29, 2026

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	May 6, 2025
Property Address	49 HOWARD ST, HOLYOKE, MA 01040-2552
Document Number	025853-302
Book / Page	25853 / 302
Instrument Date	May 6, 2025
Instrument	19891
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount 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
Relationship	Tenants in Common
Address	49 HOWARD ST, HOLYOKE, MA 01040-2552

Mortgage

Document Number	0000019892
Date	May 6, 2025
Instrument	19892

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	025853-328
Date	May 6, 2025
Book Page	25853/328
Instrument	19893

Lender

Name	MASSACHUSETTS HOUSING PARTNERSHIP FUND
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	Sep 11, 2023
Property Address	49 HOWARD ST, HOLYOKE, MA 01040-2552
Document Number	025148-194
Book / Page	25148 / 194
Instrument Date	Oct 13, 2022
Instrument	42560
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	SERVICELINK

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
Address	2000 N CLASSEN BLVD STE 3200, 3200, OKLAHOMA CITY, OK 73106-6034
Investor	Possibly a Property Investor

September 2022: Foreclosure

Document Type	Foreclosure
Jurisdiction	HOLYOKE MA
Recording Date	Sep 16, 2022
Property Address	49 HOWARD ST, HOLYOKE, MA 01040-2552
Document Number	024727-583
Book / Page	24727 / 583
Instrument Date	Aug 29, 2022
Instrument	55978
Transaction Type	Foreclosure
Record Updated	Sep 30, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 ELM ST STE 601, 601, MANCHESTER, NH 03101-1824

October 2021: Redemption Deed, Transfer

Document Type	Redemption Deed
Jurisdiction	HOLYOKE MA
Recording Date	Oct 29, 2021
Property Address	49 HOWARD ST, HOLYOKE, MA 01040-2552
Document Number	24215-506
Book / Page	24215 / 506
Instrument Date	Oct 25, 2021
Instrument	77189
Transaction Type	Transfer
Record Updated	Sep 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2026 property tax bill for 49 Howard St was $6,379, 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	$6,379.00 (+6.8%)	$366,000 (+6.99%) Land $50,400 Building $315,600	$305,666 (-7.65%)
2025	$5,973.00 (+151.71%)	$342,100 (+173.24%) Land $47,100 Building $295,000	$330,980 (+139.78%)
2024	$2,373.00 (+3.94%)	$125,200 (+2.88%) Land $45,000 Building $80,200	$138,035
2023	$2,283.00	$121,700 Land $45,000 Building $76,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 49 Howard St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 49 Howard 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 570 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Netafy Fixed Wireless	150 / 150
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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