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Single Family ResidenceResidential
$822,706$242 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $215,000 on Sep 4, 1991

40 CROSS ST

ASHLAND, MA 01721
3
Beds
2.5
Baths
3,396 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.95 ac
Lot SizeThe size of the land the home sits on, from county records.
1880
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$823K
$781K low$865K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$215,000 · Sep 4, 1991
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$385,706
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$308,565
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.53%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$387,000
GUARANTEED RATE INC · recorded Mar 18, 2013
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$50,000
FRAMINGHAM MUN FCU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$10,055 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$787,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$271,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$516,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$983,725

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.41
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
19
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
59
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
33
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyMIDDLESEX
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1975
Lot (acres)The size of the land the home sits on, from county records.0.95
ConstructionThe main material the home's frame and walls are built from.Stone
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes

Transaction History(7)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Ashland Middle SchoolA
Middle · Grades 6–8 · 1.5 mi
H
Ashland High SchoolA
High · Grades 9–12 · 2.9 mi
E
Henry E Warren Elementary School
Elementary · Grades KG–2 · 3.1 mi

District: Ashland School District

Neighborhood · ZIP 01721These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.47
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.63

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.34%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.18,969
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,481 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$135,702
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$157,800
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

40 Cross St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 71% of homes in Ashland 01721
  • Among the lowest price per square foot in Ashland 01721
  • Bigger than 97% of homes in Ashland 01721
  • Has a bigger lot than 78% of homes in Middlesex County
  • Among the oldest homes in Ashland 01721

What homes are worth in Ashland 01721

Each bar is how many homes fall in that price range. The marker is this home.

This home
$438K$1.3M

This home is worth more than 71% of homes in Ashland 01721.

How it measures up in Ashland 01721

The dot is this home. The mark in the middle is the typical home in Ashland 01721.

Estimated value$822,706
CheaperTypical $683,354Pricier

Pricier than 71% of homes nearby

Price per ft²$242
CheaperTypical $390Pricier

Cheaper than almost all homes nearby

Living area3,396 ft²
SmallerTypical 1,792 ft²Bigger

Bigger than 97% of homes nearby

Lot size0.95 ac
SmallerTypical 0.73 acBigger

Bigger than 59% of homes nearby

Year built1880
OlderTypical 1984Newer

Older than almost all homes nearby

How 40 Cross St ranks against every home in each area.
MeasureThis homeAshland 01721Middlesex County
Estimated valuepricier than$822,70671% of homes54% of homes
Price per ft²pricier than$242almost no homes2% of homes
Living areabigger than3,396 ft²97% of homes90% of homes
Lot sizebigger than0.95 ac59% of homes78% of homes
Year builtnewer than1880almost no homes4% of homes

About 40 Cross St

How much is 40 Cross St, Ashland, MA worth?

The TopHap Estimate for 40 Cross St, Ashland, MA is $822,706 as of Jul 14, 2026. The likely range is $780,645 to $864,767. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 40 Cross St, Ashland, MA last sell?

40 Cross St, Ashland, MA last sold on Sep 4, 1991 for $215,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 40 Cross St, Ashland, MA?

40 Cross St, Ashland, MA has 3 bedrooms, 2.5 bathrooms, 3,396 square feet of living space and a 0.95-acre lot.

When was 40 Cross St, Ashland, MA built?

40 Cross St, Ashland, MA was built in 1880, making it 146 years old. It is a conventional home. The building has 2 stories.

What schools serve 40 Cross St, Ashland, MA?

40 Cross St, Ashland, MA is assigned to Ashland Middle School (middle), rated A; Ashland High School (high), rated A; Henry E Warren Elementary School (elementary). All sit in Ashland School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 40 Cross St, Ashland, MA compare to other homes in Ashland 01721?

Among the 6,092 homes in Ashland 01721, it is worth more than 71% of them ($822,706 against a typical $683,354), its price per square foot is higher than almost none of them ($242 against a typical $390), it is bigger than 97% of them (3,396 ft² against a typical 1,792 ft²), its lot is bigger than 59% of them (0.95 ac against a typical 0.73 ac) and it is newer than almost none of them (1880 against a typical 1984). Measured against all of Middlesex County, it is worth more than 54% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 40 Cross St, Ashland, MA?

The 2025 property tax bill for 40 Cross St, Ashland, MA was $10,055. The county assessed it at $787,400.

Closest homes

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Assigned schools

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