21 Cross St, Salem, MA 01970 Property Records

Essex County and Salem City property record for 21 Cross St, Salem, MA 01970

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 4,323 sqft · built 1850
Lot Size	0.112 acres (4,896 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Jul 2015)
Tax Bill	$7,439 (2026)
Deeds & Mortgages	Mar 2017 Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SALE M:36 L:0060`

Property Details

APN / Parcel Number

Primary APN	`SALE M:36 L:0060`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	4,323 sqft Garage

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Lot Area	4,896 sqft (0.112 acres)
Pool Type	In-Ground Pool
Total Buildings	2 Buildings

Location & Zoning

Street Address	21 CROSS ST
City	SALEM
State	MA
Zip	01970-3942
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Lot Number	60
Jurisdiction	SALEM MA
Township / Civil Division	SALEM
Census Block Group	2
Census Block	2000
Census Tract	204500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Bridge Street Neck Historic District listed 2002 · 383 contributing resources · NRIS 02000790

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

21 Cross St is owned and occupied by two individuals who bought it in July 2015.

Source: Essex County and Salem City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21 CROSS ST, SALEM, MA 01970-3942
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 31, 2017	Deed of Trust, Mortgage EQUITABLE COOPERATIVE BANK
Jan 22, 2018	Deed of Trust, Mortgage · Closed-End Mortgage EQUITABLE COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2015 · Amount on File
Deed Sale	Jul 22, 2015 · Amount on File
Prior Sale	Dec 28, 2012
Deed Book / Page	34234 / 583
Transfer Doc	034234-583
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	21 CROSS ST, SALEM, MA 01970-3942
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35767-281
Date	Mar 31, 2017
Book Page	35767/281
Instrument	3

Lender

Name	EQUITABLE COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	21 CROSS ST, SALEM, MA 01970-3942
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36484-158
Date	Jan 22, 2018
Book Page	36484/158
Instrument	180122002940

Lender

Name	EQUITABLE COOPERATIVE BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 21 Cross St was $7,439, up 7.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,439.00 (+7.36%)	$690,100 (+12.95%) Land $203,500 Building $485,900	$727,216 (+14.15%)
2025	$6,929.00 (+3.53%)	$611,000 (+6.08%) Land $170,600 Building $440,400	$637,070
2024	$6,693.00 (+4.53%)	$576,000 (+12.54%) Land $161,600 Building $414,400
2023	$6,403.00	$511,800 Land $149,600 Building $362,200

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, though there have been 3 flood claims nearby since 1992.

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
Nearby Flood Policies	15 units insured incl. 7 condo units
Nearby Flood Claims	3 (1992–2017)
Most Recent Claim	Sep 2017 · rainfall accumulation

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

The area around 21 Cross St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	SALEM WATER DEPARTMENT serves 44,480 people · EPA ID MA3258000
Water Source	Purchased surface water from SALEM AND BEVERLY WATER SUPPLY BOARD
Last State Inspection	Dec 2024

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. 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 505 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Nearby Properties on Cross St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures