11 Cross St, Ashburnham, MA 01430 Property Records

Worcester County and Ashburnham Town property record for 11 Cross St, Ashburnham, MA 01430

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,232 sqft · built 1920
Lot Size	0.165 acres (7,174 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Jun 2022)
Tax Bill	$4,260 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Oct 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:0058 B:000053`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:0058 B:000053`
Alternative APN	`ABHM M:0058 B:000053`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,232 sqft Living Area
Gross Area	2,029 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,174 sqft (0.165 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	11 CROSS ST
City	ASHBURNHAM
State	MA
Zip	01430-1618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	53
Jurisdiction	ASHBURNHAM MA
Township / Civil Division	ASHBURNHAM
Census Block Group	3
Census Block	3002
Census Tract	700100

Owner

11 Cross St is owned and occupied by two individuals who bought it in June 2022.

Source: Worcester County and Ashburnham Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11 CROSS ST, ASHBURNHAM, MA 01430-1618
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 15, 2022	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Oct 25, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TOTAL MORTGAGE SERVICES LLC
Sep 24, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2022 · Amount on File
Deed Sale	Jun 15, 2022 · Amount on File
Prior Sale	Oct 25, 2019 · Amount on File
Deed Book / Page	10355 / 147
Record Updated	Oct 29, 2026

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBURNHAM MA
Recording Date	Jun 15, 2022
Property Address	11 CROSS ST, ASHBURNHAM, MA 01430-1618
Document Number	010355-147
Book / Page	10355 / 147
Instrument Date	Jun 15, 2022
Instrument	10856
Transaction Type	Transfer
Record Updated	Jul 1, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11 CROSS ST, ASHBURNHAM, MA 01430-1618

Mortgage

Document Number	0000010857
Date	Jun 15, 2022
Instrument	10857

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBURNHAM MA
Recording Date	Oct 25, 2019
Property Address	11 CROSS ST, ASHBURNHAM, MA 01430-1618
Document Number	9459-148
Book / Page	9459 / 148
Instrument Date	Oct 25, 2019
Instrument	19021
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 CROSS ST, ASHBURNHAM, MA 01430-1618

Mortgage

Document Number	19022
Date	Oct 25, 2019
Instrument	19022

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBURNHAM MA
Recording Date	Sep 24, 2019
Property Address	11 CROSS ST, ASHBURNHAM, MA 01430-1618
Document Number	9428-51
Book / Page	009428 / 000051
Instrument Date	Sep 19, 2019
Instrument	16474
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 FAIRVIEW AVE ASHBURNHAM MA 014301417, ASHBURNHAM, MA 01430-1417

Tax Assessment & Valuation

The 2025 property tax bill for 11 Cross St was $4,260, up 2.6% from the year before.

Source: Worcester County and Ashburnham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Ashburnham Town
Unified School District	Ashburnham-Westminster School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,260.00 (+2.58%)	$286,500 (+8.65%) Land $31,100 Building $255,400	$280,820 (-14.98%)
2024	$4,153.00 (+0.22%)	$263,700 (+5.31%) Land $31,100 Building $232,600	$330,315
2023	$4,144.00	$250,400 Land $31,100 Building $219,300

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

Flood

FEMA maps place 11 Cross St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · 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	4 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 11 Cross St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ASHBURNHAM WATER DEPARTMENT serves 3,680 people · EPA ID MA2011000
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2024
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross St

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