Middlesex County and Natick Town property record for 12 Cross St, Natick, MA 01760
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,182 sqft · built 1880 |
| Lot Size | 0.118 acres (5,140 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $302,500 (Jun 2013) |
| Tax Bill | $6,531 (2025) |
| Deeds & Mortgages | Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 51-00000347 |
| Primary APN | 51-00000347 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,182 sqft Living Area |
| 1st Floor Area | 667 sqft |
| Basement Area | 717 sqft |
| Unfinished Basement | 717 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,140 sqft (0.118 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 51-00000347 |
|---|---|
| Street Address | 12 CROSS ST |
| City | NATICK |
| State | MA |
| Zip | 01760-5850 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RG |
| Jurisdiction | NATICK MA |
| Township / Civil Division | NATICK |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 382400 |
12 Cross St is owned and occupied by two individuals who bought it in June 2013.
Source: Middlesex County and Natick Town records, as of April 14, 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 | 12 CROSS ST, NATICK, MA 01760-5850 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 7, 2013 · Amount on File |
| Deed Sale | Jun 7, 2013 · Amount on File |
| Prior Sale | Jun 7, 2013 · Amount on File |
| Deed Book / Page | 61972 / 260 |
| Transfer Doc | 61972-260 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 12 CROSS ST, NATICK, MA 01760-5850 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 70425-483 |
|---|---|
| Date | Dec 22, 2017 |
| Book Page | 70425/483 |
| Instrument | 207773 |
| Name | MIDDLESEX SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 372 Months |
| Due | Dec 1, 2048 |
The 2025 property tax bill for 12 Cross St was $6,531, up 3.7% from the year before.
Source: Middlesex County and Natick Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Natick Town |
| Unified School District | Natick School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,531.00 (+3.72%) | $546,100 (+6.33%) Land $395,300 Building $150,800 | $564,015 |
| 2024 | $6,297.00 (+0.62%) | $513,600 (+3.74%) Land $373,300 Building $140,300 | |
| 2023 | $6,258.00 | $495,100 Land $351,400 Building $143,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Cross St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · 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 | 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 risk around 12 Cross St is low, with less than 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 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NATICK WATER AND SEWER DIVISION serves 37,006 people · EPA ID MA3198000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 714 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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