104 Cross Rd, Holyoke, MA 01040 Property Records

Hampden County and Holyoke City property record for 104 Cross Rd, Holyoke, MA 01040

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 4,504 sqft · built 1995
Lot Size	3.57 acres (155,509 sqft)
Owner	2 Trust Names on File
Tax Bill	$12,625 (2026)
Deeds & Mortgages	Dec 2022 Transfer Jul 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HOLY M:0206 B:0000 L:10`

Property Details

APN / Parcel Number

Primary APN	`HOLY M:0206 B:0000 L:10`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	4,504 sqft Living Area
Gross Area	7,820 sqft
Basement Area	1,568 sqft
Unfinished Basement	1,568 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	155,509 sqft (3.57 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	104 CROSS RD
City	HOLYOKE
State	MA
Zip	01040-9725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	10
Jurisdiction	HOLYOKE MA
Township / Civil Division	HOLYOKE
Census Block Group	1
Census Block	1015
Census Tract	812101

Owner

104 Cross Rd is owner-occupied and held in a trust since December 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	104 CROSS RD, HOLYOKE, MA 01040-9725
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Dec 22, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOLYOKE CU
Oct 2, 2017	Deed of Trust, Mortgage · Line of Credit HOLYOKE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2004
Deed Sale	Oct 8, 2004
Deed Document Number	200413234
Deed Book / Page	14546 / 97
Last Transfer Date	Dec 22, 2022
Transfer Doc	0024853-25
Record Updated	Oct 29, 2026

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLYOKE MA
Recording Date	Dec 22, 2022
Property Address	104 CROSS RD, HOLYOKE, MA 01040-9725
Document Number	0024853-25
Book / Page	24853 / 25
Instrument Date	Dec 22, 2022
Instrument	74900
Transaction Type	Transfer
Record Updated	Jan 6, 2023

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	28730 BERMUDA BAY WAY APT 204, 204, BONITA SPRINGS, FL 34134-1310

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	104 CROSS RD, HOLYOKE, MA 01040-9725
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23305-80
Date	Jul 10, 2020
Book Page	23305/80
Instrument	36990

Lender

Name	HOLYOKE CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2030

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	104 CROSS RD, HOLYOKE, MA 01040-9725
Document Number	21891-146
Book / Page	021891 / 000146
Instrument Date	Oct 2, 2017
Transaction Type	Mortgage
Record Updated	Oct 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21891-146
Date	Oct 6, 2017
Book Page	021891/000146
Instrument	59129

Lender

Name	HOLYOKE CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	84 Months
Due	Oct 5, 2024

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 104 Cross Rd was $12,625, up 6.8% 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	Assessed Market Value
2026	$12,625.00 (+6.81%)	$724,300 (+6.99%) Land $94,300 Building $574,100	$723,408 (+15.48%)
2025	$11,820.00 (+1.98%)	$677,000 (+10.69%) Land $88,200 Building $588,800	$626,430 (+19.67%)
2024	$11,590.00 (+5.11%)	$611,600 (+4.05%) Land $84,000 Building $527,600	$523,450
2023	$11,027.00	$587,800 Land $84,000 Building $503,800

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

Flood

FEMA maps place 104 Cross Rd 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

Wildfire risk around 104 Cross Rd is low, with a 0.01% annual chance of 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross Rd

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