14 Cross St, Ashburnham, MA 01430 Property Records

Worcester County and Ashburnham Town property record for 14 Cross St, Ashburnham, MA 01430

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,771 sqft · built 1900
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Dec 2025)
Tax Bill	$3,545 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`ASHB M:0058 B:000045`

Property Details

APN / Parcel Number

Primary APN	`ASHB M:0058 B:000045`
Alternative APN	`ABHM M:0058 B:000045`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,771 sqft Living Area
Gross Area	2,953 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	14 CROSS ST
City	ASHBURNHAM
State	MA
Zip	01430-1617
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	45
Jurisdiction	ASHBURNHAM MA
Township / Civil Division	ASHBURNHAM
Census Block Group	3
Census Block	3004
Census Tract	700100

Owner

Source: Worcester County and Ashburnham 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	Individual Name on Record
Mailing Address	14 CROSS ST, ASHBURNHAM, MA 01430-1617
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Deed of Trust, Mortgage FREEDOM MORTGAGE CORP
Apr 18, 2023	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Dec 3, 2025	Quit Claim Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2025 · Amount on Record
Deed Sale	Dec 3, 2025 · Amount on Record
Deed Book / Page	11115 / 25
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBURNHAM MA
Property Address	14 CROSS ST, ASHBURNHAM, MA 01430-1617
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073290-48
Date	Mar 10, 2026
Book Page	73290/48
Instrument	17911

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Amount	Amount Recorded
Term	337 Months
Due	Apr 1, 2054

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHBURNHAM MA
Property Address	14 CROSS ST, ASHBURNHAM, MA 01430-1617
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	010543-268
Date	Apr 18, 2023
Book Page	10543/268
Instrument	4819

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHBURNHAM MA
Recording Date	Dec 3, 2025
Property Address	14 CROSS ST, ASHBURNHAM, MA 01430-1617
Document Number	0011115-25
Book / Page	11115 / 25
Instrument Date	Dec 3, 2025
Instrument	16452
Transaction Type	Transfer
Record Updated	Dec 24, 2025

Transaction

Amount	Amount Recorded
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
Address	14 CROSS ST, ASHBURNHAM, MA 01430-1617

Mortgage

Document Number	0000016453
Date	Dec 3, 2025
Instrument	16453

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2046

Tax Assessment & Valuation

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	$3,545.00 (+3.29%)	$238,400 (+9.41%) Land $30,400 Building $208,000	$354,996
2024	$3,432.00 (-7.52%)	$217,900 (-2.81%) Land $30,400 Building $187,500
2023	$3,711.00	$224,200 Land $30,400 Building $193,800

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, 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

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	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 60 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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