127 Cross Rd, Holyoke, MA 01040 Property Records

Hampden County and Holyoke City property record for 127 Cross Rd, Holyoke, MA 01040

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,203 sqft · built 1958
Lot Size	1.82 acres (79,279 sqft)
Owner	2 Individual Names on File
Last Sale	$372,500 (Aug 2019)
Tax Bill	$9,193 (2026)
Deeds & Mortgages	May 2025 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HOLY M:0202 B:0000 L:1A`

Property Details

APN / Parcel Number

Primary APN	`HOLY M:0202 B:0000 L:1A`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,203 sqft Living Area
Gross Area	4,743 sqft
Basement Area	1,040 sqft
Unfinished Basement	260 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	79,279 sqft (1.82 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	127 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	1A
Jurisdiction	HOLYOKE MA
Township / Civil Division	HOLYOKE
Census Block Group	1
Census Block	1014
Census Tract	812101

Owner

127 Cross Rd is owned and occupied by two individuals who bought it in August 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	127 CROSS RD, HOLYOKE, MA 01040-9725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2025	Deed of Trust, Mortgage PEOPLESBANK (HOLYOKE MA)
Aug 2, 2019	Warranty Deed, Transfer · Conventional with PMI ENVISION BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2019 · Amount on File
Deed Sale	Aug 2, 2019 · Amount on File
Deed Document Number	201927
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLYOKE MA
Property Address	127 CROSS RD, HOLYOKE, MA 01040-9725
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000239779
Date	May 30, 2025
Instrument	239779

Lender

Name	PEOPLESBANK (HOLYOKE MA)

Agreement

Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2045

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HOLYOKE MA
Recording Date	Aug 2, 2019
Property Address	127 CROSS RD, HOLYOKE, MA 01040-9725
Document Number	0000219027
Instrument Date	Jul 29, 2019
Instrument	219027
Transaction Type	Transfer
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,732.12
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 DRY BRIDGE RD WESTFIELD MA 010851705, WESTFIELD, MA 01085-1705

Mortgage

Document Number	219028
Date	Aug 2, 2019
Instrument	219028

Lender

Name	ENVISION BK

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 127 Cross Rd was $9,193, 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	$9,193.00 (+6.8%)	$527,400 (+6.98%) Land $84,000 Building $427,100	$504,387 (-11.75%)
2025	$8,608.00 (+5.88%)	$493,000 (+14.92%) Land $78,600 Building $414,400	$571,520 (+19.2%)
2024	$8,130.00 (+4.88%)	$429,000 (+3.82%) Land $74,900 Building $354,100	$479,465
2023	$7,752.00	$413,200 Land $74,900 Building $338,300

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

Flood

FEMA maps place 127 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 127 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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