315 Cross St, Carlisle, MA 01741 Property Records

Middlesex County and Carlisle Town property record for 315 Cross St, Carlisle, MA 01741

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,824 sqft · built 2001
Lot Size	4.68 acres (203,861 sqft)
Owner	2 Trust Names on File
Last Sale	$1,250,000 (Jun 2005)
Tax Bill	$25,075 (2026)
Deeds & Mortgages	Dec 2025 Transfer Jan 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`CARL M:0007 B:0026 L:3`

Property Details

APN / Parcel Number

Primary APN	`CARL M:0007 B:0026 L:3`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,824 sqft Living Area
Gross Area	8,892 sqft
Basement Area	1,706 sqft
Unfinished Basement	1,262 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	203,861 sqft (4.68 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	315 CROSS ST
City	CARLISLE
State	MA
Zip	01741-1508
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B
Legal Block	26
Legal Lot Number	3
Jurisdiction	CARLISLE MA
Township / Civil Division	CARLISLE
Census Block Group	2
Census Block	2004
Census Tract	362100

Owner

315 Cross St is owner-occupied and held in a trust since December 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	315 CROSS ST, CARLISLE, MA 01741-1508
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Dec 10, 2025	Quit Claim Deed, Transfer Quitclaim
Jan 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Jun 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2005 · Amount on File
Deed Sale	Jun 28, 2005 · Amount on File
Prior Sale	Oct 26, 1998 · Amount on File
Deed Book / Page	18918 / 272
Last Transfer Date	Dec 5, 2025
Transfer Doc	039726-283
Record Updated	Oct 29, 2026

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARLISLE MA
Recording Date	Dec 10, 2025
Property Address	315 CROSS ST, CARLISLE, MA 01741-1508
Document Number	039726-283
Book / Page	39726 / 283
Instrument Date	Dec 5, 2025
Instrument	39839
Transaction Type	Transfer
Record Updated	Dec 31, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 CROSS ST, CARLISLE, MA 01741-1508

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLISLE MA
Property Address	315 CROSS ST, CARLISLE, MA 01741-1508
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	033766-152
Date	Jan 22, 2020
Book Page	33766/152
Instrument	2917

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLISLE MA
Property Address	315 CROSS ST, CARLISLE, MA 01741-1508
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035900-97
Date	Jun 21, 2021
Book Page	35900/97
Instrument	36337

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 315 Cross St was $25,075, up 6.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Carlisle Town
Elementary School District	Carlisle School District (PK - 08)
Secondary School District	Concord-Carlisle School District (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$25,075.00 (+6.08%)	$1,955,900 (+9.05%) Land $619,900 Building $1,336,000	$1,913,300 (-)
2025	$23,638.00 (+2.79%)	$1,793,500 (+3.96%) Land $606,500 Building $1,187,000	$1,913,300 (+11.15%)
2024	$22,996.00 (+5.17%)	$1,725,100 (+11.64%) Land $562,900 Building $1,162,200	$1,721,305
2023	$21,865.00	$1,545,200 Land $527,700 Building $1,017,500

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

Flood

FEMA maps place 315 Cross St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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	5 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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 315 Cross St is low, with a 0.02% 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	0.02% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross St

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