334 Cross St, Winchester, MA 01890 Property Records

Middlesex County and Winchester Town property record for 334 Cross St, Winchester, MA 01890

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,845 sqft · built 1938
Lot Size	0.245 acres (10,690 sqft)
Owner	2 Individual Names on File
Last Sale	$900,000 (Dec 2019)
Tax Bill	$14,870 (2026)
Deeds & Mortgages	Sep 2020 Refinance Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WINC M:013 B:0105 L:0`

Property Details

APN / Parcel Number

Primary APN	`WINC M:013 B:0105 L:0`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,845 sqft Living Area
Gross Area	6,254 sqft
1st Floor Area	1,056 sqft
Basement Area	1,550 sqft
Unfinished Basement	1,085 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,690 sqft (0.245 acres)
Garage Type	Detached

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	334 CROSS ST
City	WINCHESTER
State	MA
Zip	01890-1103
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Legal Block	105
Jurisdiction	WINCHESTER MA
Township / Civil Division	WINCHESTER
Census Block Group	3
Census Block	3010
Census Tract	338200

Owner

334 Cross St is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	334 CROSS ST, WINCHESTER, MA 01890-1103
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
Sep 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Dec 13, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage US BANK NA
Dec 6, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2019 · Amount on File
Deed Sale	Dec 13, 2019 · Amount on File
Deed Document Number	20196996
Deed Book / Page	73815 / 68
Prior Transfer Date	Dec 5, 2019
Prior Transfer Doc	73815-68
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINCHESTER MA
Property Address	334 CROSS ST, WINCHESTER, MA 01890-1103
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75568-531
Date	Sep 9, 2020
Book Page	75568/531
Instrument	157372

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Dec 13, 2019
Property Address	334 CROSS ST, WINCHESTER, MA 01890-1103
Document Number	73815-68
Book / Page	73815 / 68
Instrument Date	Dec 5, 2019
Instrument	196996
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	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	334 CROSS ST, WINCHESTER, MA 01890-1103

Mortgage

Document Number	196997
Date	Dec 13, 2019
Instrument	196997

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Type Change Date	Jan 1, 2030

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINCHESTER MA
Recording Date	Dec 6, 2019
Property Address	334 CROSS ST, WINCHESTER, MA 01890-1103
Document Number	73775-583
Book / Page	73775 / 583
Instrument Date	Nov 22, 2019
Instrument	192310
Transaction Type	Transfer
Record Updated	May 12, 2021

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	334 CROSS ST, WINCHESTER, MA 01890-1103

Tax Assessment & Valuation

The 2026 property tax bill for 334 Cross St was $14,870, up 10,597.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,870.00 (+10,597.84%)	$1,342,100 (+6.47%) Land $569,200 Building $772,900	$1,363,071 (+10.75%)
2025	$139.00 (-98.99%)	$1,260,500 (+4.01%) Land $535,700 Building $724,800	$1,230,725
2024	$13,731.00 (+13.98%)	$1,211,900 (+18.71%) Land $535,700 Building $676,200
2023	$12,047.00	$1,020,900 Land $468,800 Building $552,100

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

Flood

FEMA maps place 334 Cross St in Zone X, an area of minimal flood risk.

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
Flood Insurance Cost	Premium on File median of 28 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	113 units insured incl. 85 condo units

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 334 Cross St is low, with less than 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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 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	WINCHESTER WATER DEPT serves 22,970 people · EPA ID MA3344000
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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 504 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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