77 Locust St, Holyoke, MA 01040 Property Records

Hampden County and Holyoke City property record for 77 Locust St, Holyoke, MA 01040

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,167 sqft · built 1947
Lot Size	0.203 acres (8,851 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Jun 2026)
Tax Bill	$4,907 (2026)
Deeds & Mortgages	Jun 2026 Second Mortgage Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HOLY M:0076 B:0006 L:3`

Property Details

APN / Parcel Number

Primary APN	`HOLY M:0076 B:0006 L:3`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,167 sqft Living Area
Gross Area	3,312 sqft
Basement Area	1,008 sqft
Unfinished Basement	605 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,851 sqft (0.203 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	77 LOCUST ST
City	HOLYOKE
State	MA
Zip	01040-3214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Block	6
Legal Lot Number	3
Jurisdiction	HOLYOKE MA
Township / Civil Division	HOLYOKE
Census Block Group	1
Census Block	1010
Census Tract	812001

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	77 LOCUST ST, HOLYOKE, MA 01040-3214
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CMG MORTGAGE INC
Jun 9, 2026	Quit Claim Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Apr 10, 2023	Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2026 · Amount on Record
Deed Sale	Jun 9, 2026 · Amount on Record
Prior Sale	Apr 10, 2023 · Amount on Record
Deed Document Number	202625895
Deed Book / Page	26365 / 270
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Recording Date	Jun 9, 2026
Property Address	77 LOCUST ST, HOLYOKE, MA 01040-3214
Document Number	0000025897
Book / Page	26365 / 293
Instrument Date	Jun 8, 2026
Instrument	202625897
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 LOCUST ST, HOLYOKE, MA 01040-3214

Mortgage

Document Number	026365-293,
Date	Jun 9, 2026
Book Page	26365/293
Instrument	202625897

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	Jun 9, 2026
Property Address	77 LOCUST ST, HOLYOKE, MA 01040-3214
Document Number	0000025895
Book / Page	26365 / 270
Instrument Date	May 22, 2026
Instrument	202625895
Transaction Type	Transfer
Record Updated	Jul 1, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	77 LOCUST ST, HOLYOKE, MA 01040-3214

Mortgage

Date	Jun 9, 2026

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.23%
Max Rate	-1%

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	Apr 10, 2023
Property Address	77 LOCUST ST, HOLYOKE, MA 01040-3214
Document Number	024966-239
Book / Page	24966 / 239
Instrument Date	Apr 10, 2023
Instrument	16099
Transaction Type	Transfer
Record Updated	Apr 28, 2023

Transaction

Amount	Amount Recorded
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	60 N BRIDGE ST, HOLYOKE, MA 01040-6390

Mortgage

Document Number	0000016100
Date	Apr 10, 2023
Instrument	16100

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA 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	$4,907.00 (+6.86%)	$281,500 (+7.03%) Land $45,500 Building $223,600	$300,161 (-8.52%)
2025	$4,592.00 (+6.37%)	$263,000 (+15.45%) Land $42,500 Building $220,500	$328,130 (+0.14%)
2024	$4,317.00 (+4.83%)	$227,800 (+3.78%) Land $40,300 Building $187,500	$327,655
2023	$4,118.00	$219,500 Land $40,300 Building $179,200

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 519 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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