17 Cross St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 17 Cross St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,406 sqft · built 1927
Lot Size	0.112 acres (4,874 sqft)
Owner	2 Individual Names on File
Last Sale	$1,160,000 (Jul 2024)
Tax Bill	$10,898 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WINC M:012 B:0059 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:012 B:0059 L:0`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,406 sqft Living Area
Gross Area	3,139 sqft
Basement Area	1,118 sqft
Unfinished Basement	447 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,874 sqft (0.112 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	17 CROSS ST
City	WINCHESTER
State	MA
Zip	01890-1225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Block	59
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3026
Census Tract	338200

Owner

17 Cross St is owned and occupied by two individuals who bought it in July 2024.

Source: Middlesex County and Winchester Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	17 CROSS ST, WINCHESTER, MA 01890-1225
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Mar 4, 2026	Deed of Trust, Mortgage GUARANTEED RATE INC
Mar 15, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2024 · Amount on File
Deed Sale	Jul 12, 2024 · Amount on File
Prior Sale	Mar 15, 2023 · Amount on File
Deed Document Number	202476181
Deed Book / Page	82997 / 76
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	17 CROSS ST, WINCHESTER, MA 01890-1225
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	085299-115
Date	Mar 4, 2026
Book Page	85299/115
Instrument	23667

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Mar 15, 2023
Property Address	17 CROSS ST, WINCHESTER, MA 01890-1225
Document Number	081331-347
Book / Page	81331 / 347
Instrument Date	Mar 15, 2023
Instrument	25826
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	17 CROSS ST, WINCHESTER, MA 01890-1225

Mortgage

Document Number	0000025829
Date	Mar 15, 2023
Instrument	25829

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 17 Cross St was $10,898, up 11,252.1% from the year before.

Source: Middlesex County and Winchester Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Winchester Town
Unified School District	Winchester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,898.00 (+11,252.08%)	$983,600 (+12.68%) Land $500,000 Building $483,600	$1,161,957 (+8.24%)
2025	$96.00 (-98.98%)	$872,900 (+4.92%) Land $470,600 Building $402,300	$1,073,500
2024	$9,427.00 (+4.45%)	$832,000 (+8.79%) Land $470,600 Building $361,400
2023	$9,025.00	$764,800 Land $411,800 Building $353,000

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

Flood

FEMA maps place 17 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
Flood Insurance Cost	Premium on File median of 28 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	113 units insured incl. 85 condo units

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 17 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WINCHESTER WATER DEPT serves 22,970 people · EPA ID MA3344000
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 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	12 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 260 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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