32 Cross Rd, Lunenburg, MA 01462 Property Records

Worcester County and Lunenburg Town property record for 32 Cross Rd, Lunenburg, MA 01462

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,095 sqft · built 2002
Lot Size	2.84 acres (123,952 sqft)
Owner	2 Individual Names on File
Tax Bill	$12,013 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1620990001400000`

Property Details

APN / Parcel Number

Primary APN	`1620990001400000`
Alternative APNs	`LUNE M:099.0 B:0014 L:0000.0` `M:00082 L:00808 S:00000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,095 sqft Living Area
Gross Area	8,035 sqft
1st Floor Area	2,043 sqft
Basement Area	2,022 sqft
Unfinished Basement	2,022 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2008
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	123,952 sqft (2.84 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1620990001400000
Street Address	32 CROSS RD
City	LUNENBURG
State	MA
Zip	01462-2002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Block	14
Jurisdiction	LUNENBURG MA
Township / Civil Division	LUNENBURG
Census Block Group	2
Census Block	2025
Census Tract	712101

Owner

32 Cross Rd is owned and occupied by two individuals.

Source: Worcester County and Lunenburg Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	32 CROSS RD, LUNENBURG, MA 01462-2002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage LOANDEPOT.COM LLC
Apr 30, 2021	Deed of Trust, Mortgage · ARM LOANDEPOT.COM LLC
May 21, 2018	Deed of Trust, Mortgage DIGITAL FCU
Apr 5, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUNENBURG MA
Property Address	32 CROSS RD, LUNENBURG, MA 01462-2002
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	011170-213
Date	Mar 11, 2026
Book Page	11170/213
Instrument	2968

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUNENBURG MA
Property Address	32 CROSS RD, LUNENBURG, MA 01462-2002
Transaction Type	Mortgage
Record Updated	May 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9961-299
Date	Apr 30, 2021
Book Page	9961/299
Instrument	9219

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.63%
Type Change Date	May 1, 2028
Index	Other

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUNENBURG MA
Property Address	32 CROSS RD, LUNENBURG, MA 01462-2002
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	9075-312
Date	May 21, 2018
Book Page	9075/312
Instrument	7912

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	240 Months
Due	May 1, 2038

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUNENBURG MA
Recording Date	Apr 5, 2018
Property Address	32 CROSS RD, LUNENBURG, MA 01462-2002
Document Number	9047-244
Book / Page	009047 / 000244
Instrument Date	Mar 12, 2018
Instrument	5213
Transaction Type	Transfer
Record Updated	Apr 24, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	32 CROSS RD LUNENBURG MA 014622002, LUNENBURG, MA 01462-2002

Tax Assessment & Valuation

The 2026 property tax bill for 32 Cross Rd was $12,013, up 2.7% from the year before.

Source: Worcester County and Lunenburg Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Lunenburg Town
Unified School District	Lunenburg School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,013.00 (+2.68%)	$834,800 (+2.47%) Land $166,700 Building $668,100	$870,521 (+0.24%)
2025	$11,699.00 (+7.25%)	$814,700 (+5.31%) Land $163,500 Building $651,200	$868,395 (-4.15%)
2024	$10,908.00 (+4.61%)	$773,600 (+8.47%) Land $154,700 Building $618,900	$906,015
2023	$10,427.00	$713,200 Land $140,400 Building $572,800

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

Flood

FEMA maps place 32 Cross Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · 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
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2024 · other causes

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 32 Cross Rd 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	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	LUNENBURG WATER DISTRICT serves 7,219 people · EPA ID MA2162000
Water Source	Groundwater
Last State Inspection	Apr 2026
Lead	2 ppb (2022–2024) 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. 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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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