21 Cross St, Beverly, MA 01915 Property Records

Essex County and Beverly City property record for 21 Cross St, Beverly, MA 01915

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,692 sqft · built 1910
Lot Size	0.488 acres (21,279 sqft)
Owner	2 Individual Names on File
Last Sale	$505,000 (Aug 2018)
Tax Bill	$12,065 (2025)
Deeds & Mortgages	Feb 2020 Refinance May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R10`

Property Details

APN / Parcel Number

Primary APN	`R10`
Alternative APNs	`BEVE M:0022 B:0190 L` `5386`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	3,692 sqft Living Area
Gross Area	6,948 sqft
Basement Area	1,644 sqft
Unfinished Basement	1,644 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,279 sqft (0.488 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	5386
Street Address	21 CROSS ST
City	BEVERLY
State	MA
Zip	01915-3808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Block	190
Jurisdiction	BEVERLY MA
Township / Civil Division	BEVERLY
Census Block Group	2
Census Block	2014
Census Tract	217601

Owner

21 Cross St is owned and occupied by two individuals who bought it in August 2018.

Source: Essex County and Beverly City records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21 CROSS ST, BEVERLY, MA 01915-3808
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Feb 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORTH SHORE BANK
May 18, 2020	Deed of Trust, Mortgage · Balloon Mortgage NORTH SHORE BANK
Aug 30, 2018	Quit Claim Deed, Transfer BEVERLY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2018 · Amount on File
Deed Sale	Aug 30, 2018 · Amount on File
Prior Sale	Nov 2, 1986 · Amount on File
Deed Book / Page	36978 / 482
Transfer Doc	036978-482
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	21 CROSS ST, BEVERLY, MA 01915-3808
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38259-424
Date	Feb 12, 2020
Book Page	38259/424
Instrument	20200212004540

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	21 CROSS ST, BEVERLY, MA 01915-3808
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38527-40
Date	May 18, 2020
Book Page	38527/40
Instrument	20200518004390

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEVERLY MA
Recording Date	Aug 30, 2018
Property Address	21 CROSS ST, BEVERLY, MA 01915-3808
Document Number	36978-482
Book / Page	36978 / 482
Instrument	180830005270
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55.79
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	369780484
Date	Aug 30, 2018
Instrument	36978/0484

Lender

Name	BEVERLY BANK

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 30, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 21 Cross St was $12,065, up 3.6% from the year before.

Source: Essex County and Beverly City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
Municipality	Beverly City
Unified School District	Beverly School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,065.00 (+3.56%)	$1,097,800 (+5.82%) Land $471,000 Building $626,800	$1,168,310
2024	$11,650.00 (+16.85%)	$1,037,400 (+17.17%) Land $410,600 Building $626,800
2023	$9,970.00	$885,400 Land $380,400 Building $505,000

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

Flood

FEMA maps place 21 Cross St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 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 10 policies
Nearby Flood Policies	10 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

Wildfire risk around 21 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	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	BEVERLY WATER DEPT serves 47,461 people · EPA ID MA3030000
Water Source	Purchased surface water from SALEM AND BEVERLY WATER SUPPLY BOARD
Last State Inspection	Nov 2025

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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