97 Elm St, Holyoke, MA 01040 Property Records

Hampden County and Holyoke City property record for 97 Elm St, Holyoke, MA 01040

Property Summary

Property Type	Triplex
Details	6 bd · 3 ba · 3,780 sqft · built 1880
Lot Size	0.084 acres (3,650 sqft)
Owner	Individual Name on File
Last Sale	$495,000 (Apr 2026)
Tax Bill	$6,998 (2026)
Deeds & Mortgages	Oct 2021 Refinance Apr 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`HOLY M:0006 B:0005 L:5`

Property Details

APN / Parcel Number

Primary APN	`HOLY M:0006 B:0005 L:5`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Units	3 Units
Stories	3 Stories
Building Area	3,780 sqft Living Area
Gross Area	5,436 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Triplex
Exterior Material	Brick
Construction Type	Frame
Roof Type	Flat
Roof Material	Tar & Gravel
Lot Area	3,650 sqft (0.084 acres)

Utilities, Heating & Cooling

Heating System	Space Heater
Heating Fuel	Gas

Location & Zoning

Street Address	97 ELM ST
City	HOLYOKE
State	MA
Zip	01040-5457
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	RO
Legal Subdivision	CHRISTOPHER J ALLEN
Legal Block	5
Legal Lot Number	5
Jurisdiction	HOLYOKE MA
Township / Civil Division	HOLYOKE
Census Block Group	2
Census Block	2021
Census Tract	811700

Owner

97 Elm St, a triplex, is owned by an individual who bought it in April 2026.

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

Owner of Record	Individual Name on File
Mailing Address	59 CHESTERFIELD ST, HYDE PARK, MA 02136-1918
Owner Type	Individual
Vesting	Individual(s)

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
Oct 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance RCN CAPITAL LLC
Apr 24, 2026	Quit Claim Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Oct 25, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance RCN CAPITAL LLC
Oct 1, 2021	Quit Claim Deed, Transfer Quitclaim
Mar 17, 2021	Quit Claim Deed, Transfer
Mar 19, 2020	Warranty Deed, Transfer RESMINI CAP INV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2026 · Amount on File
Deed Sale	Apr 24, 2026 · Amount on File
Prior Sale	Dec 23, 2024 · Amount on File
Deed Document Number	202617706
Deed Book / Page	26303 / 236
Prior Transfer Date	Dec 20, 2024
Prior Transfer Doc	0025705-25
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	97 ELM ST, HOLYOKE, MA 01040-5457
Transaction Type	Mortgage
Record Updated	May 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024202-254
Date	Oct 25, 2021
Book Page	24202/254
Instrument	75564

Lender

Name	RCN CAPITAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	Apr 24, 2026
Property Address	97 ELM ST, HOLYOKE, MA 01040-5457
Document Number	026303-236
Book / Page	26303 / 236
Instrument Date	Mar 23, 2026
Instrument	2026.17706
Transaction Type	Transfer
Record Updated	May 14, 2026

Transaction

Amount	Amount on Record
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	59 CHESTERFIELD ST, HYDE PARK, MA 02136-1918

Mortgage

Date	Apr 24, 2026

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.11%
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	97 ELM ST, HOLYOKE, MA 01040-5457
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24202-254
Date	Oct 25, 2021
Book Page	24202/254
Instrument	75564

Lender

Name	RCN CAPITAL LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	Oct 1, 2021
Property Address	97 ELM ST, HOLYOKE, MA 01040-5457
Document Number	24158-506
Book / Page	24158 / 506
Instrument Date	Oct 1, 2021
Instrument	69602
Transaction Type	Transfer
Record Updated	Oct 15, 2021

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	77 RIDGE RD, LONGMEADOW, MA 01106-2537

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	Mar 17, 2021
Property Address	97 ELM ST, HOLYOKE, MA 01040-5457
Document Number	23768-130
Book / Page	23768 / 130
Instrument Date	Mar 10, 2021
Instrument	18125
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount 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	77 RIDGE RD, LONGMEADOW, MA 01106-2537

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOLYOKE MA
Recording Date	Mar 19, 2020
Property Address	97 ELM ST, HOLYOKE, MA 01040-5457
Document Number	23134-337
Book / Page	023134 / 000337
Instrument Date	Dec 11, 2019
Instrument	14859
Transaction Type	Transfer
Record Updated	Apr 8, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$372.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Estate
Address	740 WARWICK AVE WARWICK RI 02888, WARWICK, RI 02888

Mortgage

Document Number	23134-340
Date	Mar 19, 2020
Book Page	023134/000340
Instrument	14860

Lender

Name	RESMINI CAP INV

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 97 Elm St was $6,998, up 87.7% 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
2026	$6,998.00 (+87.71%)	$401,500 (+88.06%) Land $38,400 Building $354,700
2025	$3,728.00 (+6.18%)	$213,500 (+15.22%) Land $35,900 Building $177,600
2024	$3,511.00 (+1.01%)	$185,300 (-) Land $34,200 Building $151,100
2023	$3,476.00	$185,300 Land $34,200 Building $151,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 97 Elm St in Zone X, an area of minimal flood risk.

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

The area around 97 Elm St has no burnable land within ember reach, so its wildfire risk is not rated.

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 456 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

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

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