Franklin County and Erving Town property record for 5 Cross St, Erving, MA 01344
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,338 sqft · built 2001 |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | Trust Name on Record |
| Tax Bill | $2,689 (2025) |
| Deeds & Mortgages | Sep 2026 Sale Feb 2022 Refinance |
| APN | ERVI M:005 B:001 L:055 |
| Primary APN | ERVI M:005 B:001 L:055 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,338 sqft Living Area |
| Gross Area | 2,670 sqft |
| Basement Area | 756 sqft |
| Unfinished Basement | 756 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Split Foyer |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 27,443 sqft (0.63 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 5 CROSS ST |
|---|---|
| City | ERVING |
| State | MA |
| Zip | 01344-9749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | VR |
| Legal Subdivision | PHILLIP & SARAH CYHOWSKI |
| Legal Block | 1 |
| Legal Lot Number | 55 |
| Jurisdiction | ERVING MA |
| Township / Civil Division | ERVING |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 40400 |
Source: Franklin County and Erving Town 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 | Trust Name on Record |
|---|---|
| Mailing Address | 5 CROSS ST, ERVING, MA 01344-9749 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Sep 8, 2026 | Warranty Deed, Transfer |
| Feb 22, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERVING MA |
| Recording Date | Sep 8, 2026 |
| Property Address | 5 CROSS ST, ERVING, MA 01344-9749 |
| Document Number | 0000008111 |
| Book / Page | 8697 / 296 |
| Instrument Date | Jul 30, 2026 |
| Instrument | 20268111 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 CROSS ST, ERVING, MA 01344-9749 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERVING MA |
| Property Address | 5 CROSS ST, ERVING, MA 01344-9749 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 007953-130 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 7953/130 |
| Instrument | 2014 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2037 |
Source: Franklin County and Erving Town assessment roll, as of April 14, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,689.00 (+1.13%) | $288,800 (+0.14%) Land $78,600 Building $210,200 | $315,367 (+8.41%) |
| 2024 | $2,659.00 (+26.56%) | $288,400 (+9.82%) Land $78,600 Building $209,800 | $290,890 |
| 2023 | $2,101.00 | $262,600 Land $78,600 Building $184,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
5G and 4G LTE (outdoors only)
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