15 Cross St, Bellingham, MA 02019 Property Records

Norfolk County and Bellingham Town property record for 15 Cross St, Bellingham, MA 02019

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,545 sqft · built 1946
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Jan 2023)
Tax Bill	$5,408 (2026)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`BELL M:0071 B:0039 L:0000`

Property Details

APN / Parcel Number

Primary APN	`BELL M:0071 B:0039 L:0000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,545 sqft Living Area
Gross Area	2,922 sqft
Basement Area	854 sqft
Unfinished Basement	854 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,602 sqft (0.45 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	15 CROSS ST
City	BELLINGHAM
State	MA
Zip	02019-1820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SUBN
Legal Block	39
Jurisdiction	BELLINGHAM MA
Township / Civil Division	BELLINGHAM
Census Block Group	3
Census Block	3003
Census Tract	443104

Owner

Source: Norfolk County and Bellingham 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	15 CROSS ST, BELLINGHAM, MA 02019-1820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage DIGITAL FCU
Mar 13, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Apr 26, 2019	Quit Claim Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 24, 2018	Quit Claim Deed, Transfer VINCENT TRUNFIO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2023 · Amount on Record
Deed Sale	Jan 18, 2023 · Amount on Record
Prior Sale	Apr 26, 2019 · Amount on Record
Deed Book / Page	41021 / 387
Record Updated	Oct 29, 2026

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELLINGHAM MA
Recording Date	Jan 18, 2023
Property Address	15 CROSS ST, BELLINGHAM, MA 02019-1820
Document Number	041021-387
Book / Page	41021 / 387
Instrument Date	Jan 18, 2023
Instrument	3332
Transaction Type	Transfer
Record Updated	Feb 3, 2023

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	15 CROSS ST, BELLINGHAM, MA 02019-1820

Mortgage

Document Number	0000003333
Date	Jan 18, 2023
Instrument	3333

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Feb 1, 2030
Max Rate At Change	3%
Index	Other
Margin	3

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELLINGHAM MA
Property Address	15 CROSS ST, BELLINGHAM, MA 02019-1820
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37672-494
Date	Mar 13, 2020
Book Page	37672/494
Instrument	22856

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELLINGHAM MA
Recording Date	Apr 26, 2019
Property Address	15 CROSS ST, BELLINGHAM, MA 02019-1820
Document Number	36752-247
Book / Page	36752 / 247
Instrument Date	Apr 22, 2019
Instrument	30860
Transaction Type	Transfer
Record Updated	May 12, 2021

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	15 CROSS ST, BELLINGHAM, MA 02019-1820

Mortgage

Document Number	30861
Date	Apr 26, 2019
Instrument	30861

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELLINGHAM MA
Recording Date	Oct 24, 2018
Property Address	15 CROSS ST, BELLINGHAM, MA 02019-1820
Document Number	36384-591
Book / Page	36384 / 591
Instrument	95281
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$36.51
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	363840596
Date	Oct 24, 2018
Instrument	36384/0596

Lender

Name	VINCENT TRUNFIO

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Norfolk County and Bellingham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Bellingham Town
Unified School District	Bellingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,408.00 (+0.24%)	$436,500 (+1.63%) Land $167,800 Building $256,100	$490,200 (-)
2025	$5,395.00 (+5.04%)	$429,500 (+7.54%) Land $167,100 Building $262,400	$490,200 (+3.86%)
2024	$5,136.00 (+4.73%)	$399,400 (+6.28%) Land $152,600 Building $246,800	$471,960
2023	$4,904.00	$375,800 Land $145,300 Building $230,500

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 May 26, 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

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	None beyond 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	BELLINGHAM DPW WATER SEWER DIVISION serves 16,556 people · EPA ID MA2025000
Water Source	Groundwater
Last State Inspection	Mar 2023
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2022
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross St

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