523 Beech St, Holyoke, MA 01040 Property Records

Hampden County and Holyoke City property record for 523 Beech St, Holyoke, MA 01040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,953 sqft · built 1925
Lot Size	0.197 acres (8,599 sqft)
Owner	Individual Name on Record
Last Sale	$189,900 (Sep 2005)
Tax Bill	$4,188 (2026)
Deeds & Mortgages	May 2026 Line of Credit Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HOLY M:0078 B:0000 L:51`

Property Details

APN / Parcel Number

Primary APN	`HOLY M:0078 B:0000 L:51`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,953 sqft Living Area
Gross Area	2,852 sqft
Basement Area	868 sqft
Unfinished Basement	434 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,599 sqft (0.197 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	523 BEECH ST
City	HOLYOKE
State	MA
Zip	01040-2222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Lot Number	51
Jurisdiction	HOLYOKE MA
Township / Civil Division	HOLYOKE
Census Block Group	3
Census Block	3012
Census Tract	812002

Owner

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	523 BEECH ST, HOLYOKE, MA 01040-2222
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Mar 12, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2005 · Amount on Record
Deed Sale	Sep 26, 2005 · Amount on Record
Deed Document Number	2005155801
Deed Book / Page	15357 / 596
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Recording Date	May 22, 2026
Property Address	523 BEECH ST, HOLYOKE, MA 01040-2222
Document Number	026341-510
Book / Page	26341 / 510
Instrument Date	May 8, 2026
Instrument	202622815
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 BEECH ST, HOLYOKE, MA 01040-2222

Mortgage

Document Number	0000022815,
Date	May 22, 2026
Book Page	26341/510
Instrument	202622815

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Max Rate	-1%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	523 BEECH ST, HOLYOKE, MA 01040-2222
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23123-468
Date	Mar 12, 2020
Book Page	23123/468
Instrument	13515

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

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	Assessed Market Value
2026	$4,188.00 (+6.84%)	$240,300 (+7.04%) Land $45,400 Building $186,000	$268,351 (-16.08%)
2025	$3,920.00 (+10.61%)	$224,500 (+20.05%) Land $42,400 Building $182,100	$319,770 (+5.78%)
2024	$3,544.00 (+4.6%)	$187,000 (+3.54%) Land $40,200 Building $146,800	$302,290
2023	$3,388.00	$180,600 Land $40,200 Building $140,400

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

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 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

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 646 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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