Hampden County and Holyoke City property record for 85 Howard St, Holyoke, MA 01040
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,724 sqft · built 1900 |
| Lot Size | 0.113 acres (4,935 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,150 (2026) |
| Deeds & Mortgages | Aug 2020 Refinance Apr 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | HOLY M:0105 B:0000 L:39 |
| Primary APN | HOLY M:0105 B:0000 L:39 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,724 sqft Living Area |
| Gross Area | 2,602 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,935 sqft (0.113 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Street Address | 85 HOWARD ST |
|---|---|
| City | HOLYOKE |
| State | MA |
| Zip | 01040-2418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 39 |
| Jurisdiction | HOLYOKE MA |
| Township / Civil Division | HOLYOKE |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 811800 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 85 HOWARD ST, HOLYOKE, MA 01040-2418 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance HOLYOKE CU |
| Apr 18, 2018 | Deed of Trust, Mortgage · Line of Credit HOLYOKE CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOLYOKE MA |
| Property Address | 85 HOWARD ST, HOLYOKE, MA 01040-2418 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23385-163 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 23385/163 |
| Instrument | 47385 |
| Name | HOLYOKE CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOLYOKE MA |
| Property Address | 85 HOWARD ST, HOLYOKE, MA 01040-2418 |
| Document Number | 22142-142 |
| Instrument Date | Apr 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2018 |
| Name | Verified Name |
|---|
| Document Number | 22142-142 |
|---|---|
| Date | Apr 23, 2018 |
| Book Page | 022142/000142 |
| Instrument | 21459 |
| Name | HOLYOKE CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $4,150.00 (+6.82%) | $238,100 (+7.01%) Land $44,500 Building $192,700 | $269,169 (+23.84%) |
| 2025 | $3,885.00 (+7.05%) | $222,500 (+16.19%) Land $41,600 Building $180,900 | $217,360 (-25.25%) |
| 2024 | $3,629.00 (+4.73%) | $191,500 (+3.68%) Land $39,400 Building $152,100 | $290,795 |
| 2023 | $3,465.00 | $184,700 Land $39,400 Building $145,300 |
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
| 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.
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.
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 275 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 |
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