18 Cross St, Townsend, MA 01469 Property Records

Middlesex County and Townsend Town property record for 18 Cross St, Townsend, MA 01469

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,070 sqft · built 1999
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$309,900 (May 2015)
Tax Bill	$7,469 (2026)
Deeds & Mortgages	May 2024 Refinance Jun 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`TOWN M:0027 B:0017 L:0000`

Property Details

APN / Parcel Number

Primary APN	`TOWN M:0027 B:0017 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,070 sqft Living Area
Gross Area	3,874 sqft
1st Floor Area	1,047 sqft
Basement Area	1,133 sqft
Unfinished Basement	736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	18 CROSS ST
City	TOWNSEND
State	MA
Zip	01469-4402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Block	17
Jurisdiction	TOWNSEND MA
Township / Civil Division	TOWNSEND
Census Block Group	1
Census Block	1015
Census Tract	301101

Owner

Source: Middlesex County and Townsend 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	2 Individual Names on Record
Mailing Address	18 CROSS ST, TOWNSEND, MA 01469-4402
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 28, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE BANK
Jun 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2015 · Amount on Record
Deed Sale	May 8, 2015 · Amount on Record
Prior Sale	Aug 2, 2002 · Amount on Record
Deed Book / Page	65341 / 306
Transfer Doc	065341-306
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOWNSEND MA
Property Address	18 CROSS ST, TOWNSEND, MA 01469-4402
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082812-140
Date	May 28, 2024
Book Page	82812/140
Instrument	54644

Lender

Name	HARBORONE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOWNSEND MA
Property Address	18 CROSS ST, TOWNSEND, MA 01469-4402
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74957-361
Date	Jun 24, 2020
Book Page	74957/361
Instrument	99139

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,469.00 (+2.88%)	$543,200 (+8.64%) Land $113,400 Building $427,500	$573,135 (-)
2025	$7,260.00 (+2.01%)	$500,000 (+1.24%) Land $100,300 Building $399,700	$573,135 (+1.57%)
2024	$7,117.00 (+6.56%)	$493,900 (+12.84%) Land $100,300 Building $393,600	$564,300
2023	$6,679.00	$437,700 Land $91,600 Building $346,100

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 98.9% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	TOWNSEND WATER DEPARTMENT serves 6,832 people · EPA ID MA2299000
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 ppb (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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

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