Middlesex County and Pepperell Town property record for 14 Cross St, Pepperell, MA 01463
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,942 sqft · built 1890 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $299,000 (Jul 2017) |
| Tax Bill | $5,727 (2026) |
| Deeds & Mortgages | Oct 2022 Line of Credit Sep 2021 Refinance + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | PEPP M:0023 B:0068 L:00000 |
| Primary APN | PEPP M:0023 B:0068 L:00000 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 13 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,942 sqft Living Area |
| Gross Area | 5,212 sqft |
| Basement Area | 1,183 sqft |
| Unfinished Basement | 1,183 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,792 sqft (0.11 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Street Address | 14 CROSS ST |
|---|---|
| City | PEPPERELL |
| State | MA |
| Zip | 01463-1509 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | URR |
| Legal Block | 68 |
| Jurisdiction | PEPPERELL MA |
| Township / Civil Division | PEPPERELL |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 327102 |
Source: Middlesex County and Pepperell 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, PEPPERELL, MA 01463-1509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 14, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND |
| Sep 29, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BM REAL ESTATE SERVICE INC |
| Aug 29, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jan 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Jan 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Sep 29, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BM REAL ESTATE SERVICE INC |
| Nov 25, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 10, 2017 | Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MTG SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 10, 2017 · Amount on Record |
| Deed Sale | Jul 10, 2017 · Amount on Record |
| Prior Sale | Oct 27, 1998 · Amount on Record |
| Deed Book / Page | 69577 / 271 |
| Transfer Doc | 069577-271 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Property Address | 14 CROSS ST, PEPPERELL, MA 01463-1509 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0080830-73 |
|---|---|
| Date | Oct 14, 2022 |
| Book Page | 80830/73 |
| Instrument | 154362 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Property Address | 14 CROSS ST, PEPPERELL, MA 01463-1509 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 078804-325 |
|---|---|
| Date | Sep 29, 2021 |
| Book Page | 78804/325 |
| Instrument | 215280 |
| Name | BM REAL ESTATE SERVICE INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Property Address | 14 CROSS ST, PEPPERELL, MA 01463-1509 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 083182-250 |
|---|---|
| Date | Aug 29, 2024 |
| Book Page | 83182/250 |
| Instrument | 97704 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Property Address | 14 CROSS ST, PEPPERELL, MA 01463-1509 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 076688-278 |
|---|---|
| Date | Jan 14, 2021 |
| Book Page | 76688/278 |
| Instrument | 8566 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Feb 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Property Address | 14 CROSS ST, PEPPERELL, MA 01463-1509 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76688-278 |
|---|---|
| Date | Jan 14, 2021 |
| Book Page | 76688/278 |
| Instrument | 8566 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Feb 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Property Address | 14 CROSS ST, PEPPERELL, MA 01463-1509 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78804-325 |
|---|---|
| Date | Sep 29, 2021 |
| Book Page | 78804/325 |
| Instrument | 215280 |
| Name | BM REAL ESTATE SERVICE INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Property Address | 14 CROSS ST, PEPPERELL, MA 01463-1509 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 73710-328 |
|---|---|
| Date | Nov 25, 2019 |
| Book Page | 73710/328 |
| Instrument | 185269 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Dec 1, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PEPPERELL MA |
| Recording Date | Jul 10, 2017 |
| Property Address | 14 CROSS ST, PEPPERELL, MA 01463-1509 |
| Document Number | 69577-271 |
| Book / Page | 69577 / 271 |
| Instrument | 106601 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $40.55 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14 CROSS ST, PEPPERELL, MA 01463-1509 |
| Document Number | 695770275 |
|---|---|
| Date | Jul 10, 2017 |
| Instrument | 69577/0275 |
| Name | RESIDENTIAL MTG SVCS |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 10, 2047 |
Source: Middlesex County and Pepperell Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Pepperell Town |
| Unified School District | North Middlesex School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,727.00 (+1.65%) | $415,600 (+7.92%) Land $115,900 Building $299,700 | $522,483 |
| 2025 | $5,634.00 (+7.77%) | $385,100 (+5.71%) Land $110,600 Building $274,500 | |
| 2024 | $5,228.00 (-0.51%) | $364,300 (+4.96%) Land $100,100 Building $264,200 | |
| 2023 | $5,255.00 | $347,100 Land $100,100 Building $247,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, 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 | 1 in force |
| Nearby Flood Claims | 1 (1987) |
| Most Recent Claim | Apr 1987 · Severe Storms & Flooding |
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 | Indirect within 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 | PEPPERELL DPW WATER DIVISION serves 9,217 people · EPA ID MA2232000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | 1 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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