28 Central St, Erving, MA 01344 Property Records

Franklin County and Erving Town property record for 28 Central St, Erving, MA 01344

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,760 sqft · built 1910
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$88,000 (Aug 1991)
Tax Bill	$2,414 (2025)
Deeds & Mortgages	Apr 2021 Refinance
APN	`ERVI M:004 B:005 L:032`

Property Details

APN / Parcel Number

Primary APN	`ERVI M:004 B:005 L:032`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,760 sqft Living Area
Gross Area	3,684 sqft
Basement Area	992 sqft
Unfinished Basement	992 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Detached
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	28 CENTRAL ST
City	ERVING
State	MA
Zip	01344-4428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	5
Legal Lot Number	32
Jurisdiction	ERVING MA
Township / Civil Division	ERVING
Census Block Group	2
Census Block	2059
Census Tract	40400

Owner

Source: Franklin County and Erving Town 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	28 CENTRAL ST, ERVING, MA 01344-4428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 1991 · Amount on Record
Deed Sale	Aug 29, 1991 · Amount on Record
Deed Book / Page	2563 / 170
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERVING MA
Property Address	28 CENTRAL ST, ERVING, MA 01344-4428
Transaction Type	Mortgage
Record Updated	Apr 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7740-236
Date	Apr 7, 2021
Book Page	7740/236
Instrument	4154

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

Tax Assessment & Valuation

Source: Franklin County and Erving Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Franklin County
County Subdivision	Erving Town
Elementary School District	Erving School District (PK - 06)
Secondary School District	Gill-Montague School District in Erving (7-12) (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,414.00 (+8.35%)	$259,300 (+7.33%) Land $68,600 Building $190,700	$321,092 (+16.35%)
2024	$2,228.00 (+24.33%)	$241,600 (+7.86%) Land $68,600 Building $173,000	$275,975
2023	$1,792.00	$224,000 Land $68,600 Building $155,400

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	2 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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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	ERVING WATER DEPT serves 561 people · EPA ID MA1091000
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30