9 Charles St, Holyoke, MA 01040 Property Records

Hampden County and Holyoke City property record for 9 Charles St, Holyoke, MA 01040

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,577 sqft · built 1880
Lot Size	0.144 acres (6,268 sqft)
Owner	2 Individual Names on Record
Last Sale	$268,000 (Nov 2023)
Tax Bill	$4,299 (2025)
Deeds & Mortgages	Mar 2025 Mortgage Nov 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`HOLY M:0081 B:0000 L:68`

Property Details

APN / Parcel Number

Primary APN	`HOLY M:0081 B:0000 L:68`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,577 sqft Living Area
Gross Area	3,428 sqft
Basement Area	797 sqft
Unfinished Basement	797 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	6,268 sqft (0.144 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	9 CHARLES ST
City	HOLYOKE
State	MA
Zip	01040-3505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Lot Number	68
Jurisdiction	HOLYOKE MA
Township / Civil Division	HOLYOKE
Census Block Group	2
Census Block	2010
Census Tract	812104

Owner

Source: Hampden County and Holyoke City records, as of July 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	9 CHARLES ST, HOLYOKE, MA 01040-3505
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2025	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Nov 20, 2023	Deed, Transfer · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC
May 10, 2023	Redemption Deed, Transfer
May 1, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage DELLA RIPA REAL ESTATE
Aug 13, 2021	Redemption Deed, Transfer
Aug 6, 2021	Warranty Deed, Construction Loan · Construction Mortgage PINNACLE FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2023 · Amount on Record
Deed Sale	Nov 20, 2023 · Amount on Record
Prior Sale	May 1, 2023 · Amount on Record
Deed Book / Page	25234 / 16
Record Updated	Sep 20, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	9 CHARLES ST, HOLYOKE, MA 01040-3505
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025803-359
Date	Mar 25, 2025
Book Page	25803/359
Instrument	13023

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2055

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HOLYOKE MA
Recording Date	Nov 20, 2023
Property Address	9 CHARLES ST, HOLYOKE, MA 01040-3505
Document Number	0025234-16
Book / Page	25234 / 16
Instrument Date	Nov 20, 2023
Instrument	55372
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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	185 PINE ST, MANCHESTER, CT 06040-5884

Mortgage

Document Number	0000055373
Date	Nov 20, 2023
Instrument	55373

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2023: Redemption Deed, Transfer

Document Type	Redemption Deed
Jurisdiction	HOLYOKE MA
Recording Date	May 10, 2023
Property Address	9 CHARLES ST, HOLYOKE, MA 01040-3505
Document Number	025000-145
Book / Page	25000 / 145
Instrument Date	May 5, 2023
Instrument	21124
Transaction Type	Transfer
Record Updated	May 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOLYOKE MA
Recording Date	May 1, 2023
Property Address	9 CHARLES ST, HOLYOKE, MA 01040-3505
Document Number	0024990-48
Book / Page	24990 / 48
Instrument Date	May 1, 2023
Instrument	19654
Transaction Type	Transfer
Record Updated	May 19, 2023

Transaction

Amount	Amount Recorded
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	256 BOSTWICK LN, CHICOPEE, MA 01020-3863

Mortgage

Document Number	0000019655
Date	May 1, 2023
Instrument	19655

Lender

Name	DELLA RIPA REAL ESTATE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2021: Redemption Deed, Transfer

Document Type	Redemption Deed
Jurisdiction	HOLYOKE MA
Recording Date	Aug 13, 2021
Property Address	9 CHARLES ST, HOLYOKE, MA 01040-3505
Document Number	24058-456
Book / Page	24058 / 456
Instrument Date	Aug 10, 2021
Instrument	56703
Transaction Type	Transfer
Record Updated	Sep 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	HOLYOKE MA
Recording Date	Aug 6, 2021
Property Address	9 CHARLES ST, HOLYOKE, MA 01040-3505
Document Number	24046-567
Book / Page	24046 / 567
Instrument Date	Aug 6, 2021
Instrument	55228
Transaction Type	Construction Loan
Record Updated	Aug 20, 2021

Transaction

Amount	Amount Recorded
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	1 ELM TER, WEST BRIDGEWATER, MA 02379-1379

Mortgage

Document Number	55229
Date	Aug 6, 2021
Instrument	55229

Lender

Name	PINNACLE FINANCIAL SERVICES LLC

Agreement

Type	Construction 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
2025	$4,299.00 (+63.77%)	$246,200 (+77.76%) Land $41,900 Building $204,300	$287,660 (+14.87%)
2024	$2,625.00 (+4.25%)	$138,500 (+3.2%) Land $39,700 Building $98,800	$250,420
2023	$2,518.00	$134,200 Land $39,700 Building $94,500

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	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 499 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

May also be available: HGE.NET, T-Mobile.

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