Essex County and Beverly City property record for 38 Cross St, Beverly, MA 01915
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,626 sqft · built 1911 |
| Lot Size | 0.246 acres (10,707 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $425,000 (May 2002) |
| Tax Bill | $8,783 (2025) |
| Deeds & Mortgages | Feb 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | R10 |
| Primary APN | R10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,626 sqft Living Area |
| Gross Area | 5,653 sqft |
| Basement Area | 1,216 sqft |
| Unfinished Basement | 1,216 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1911 |
|---|---|
| Effective Year Built | Effective 1911 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,707 sqft (0.246 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 5333 |
|---|---|
| Street Address | 38 CROSS ST |
| City | BEVERLY |
| State | MA |
| Zip | 01915-3841 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Block | 146 |
| Jurisdiction | BEVERLY MA |
| Township / Civil Division | BEVERLY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 217500 |
38 Cross St is owned and occupied by two individuals who bought it in May 2002.
Source: Essex County and Beverly City records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 CROSS ST, BEVERLY, MA 01915-3841 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2002 · Amount on File |
| Deed Sale | May 31, 2002 · Amount on File |
| Deed Book / Page | 18773 / 2 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEVERLY MA |
| Property Address | 38 CROSS ST, BEVERLY, MA 01915-3841 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0040738-36 |
|---|---|
| Date | Feb 18, 2022 |
| Book Page | 40738/36 |
| Instrument | 20220218003600 |
| Name | READING COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Mar 1, 2032 |
The 2025 property tax bill for 38 Cross St was $8,783, up 5.4% from the year before.
Source: Essex County and Beverly City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| Municipality | Beverly City |
| Unified School District | Beverly School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,783.00 (+5.41%) | $799,200 (+7.72%) Land $446,300 Building $352,900 | $910,100 |
| 2024 | $8,332.00 (+3.74%) | $741,900 (+4.01%) Land $389,000 Building $352,900 | |
| 2023 | $8,032.00 | $713,300 Land $360,400 Building $352,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Cross St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.
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 | 8 in force |
| Nearby Flood Claims | 3 (1978–2024) |
| Most Recent Claim | Jan 2024 · 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 risk around 38 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.
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 |
| 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.
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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