38 Cross St, Douglas, MA 01516 Property Records

Worcester County and Douglas Town property record for 38 Cross St, Douglas, MA 01516

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,552 sqft · built 1965
Lot Size	5 acres (217,800 sqft)
Owner	2 Company Names on Record
Last Sale	$260,000 (Jun 2005)
Tax Bill	$3,683 (2026)
Deeds & Mortgages	May 2020 Refinance Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-13`

Property Details

APN / Parcel Number

Primary APN	`15-13`
Alternative APN	`DOUG M:0144 B:00004.2 L`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,552 sqft Living Area
Gross Area	3,828 sqft
Basement Area	1,276 sqft
Unfinished Basement	1,276 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	15-13
Street Address	38 CROSS ST
City	DOUGLAS
State	MA
Zip	01516-2114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	4.2
Jurisdiction	DOUGLAS MA
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1018
Census Tract	752101

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	38 CROSS ST, DOUGLAS, MA 01516-2114
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
May 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC
Sep 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2005 · Amount on Record
Deed Sale	Jun 21, 2005 · Amount on Record
Last Transfer Date	Apr 25, 2024
Transfer Doc	0070493-75
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS MA
Property Address	38 CROSS ST, DOUGLAS, MA 01516-2114
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62443-212
Date	May 21, 2020
Book Page	62443/212
Instrument	52248

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS MA
Property Address	38 CROSS ST, DOUGLAS, MA 01516-2114
Document Number	61042-130
Instrument Date	Sep 11, 2019
Transaction Type	Mortgage
Record Updated	Oct 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	38 CROSS ST DOUGLAS MA 015162114, DOUGLAS, MA 01516-2114

Mortgage

Document Number	61042-130
Date	Sep 12, 2019
Book Page	061042/000130
Instrument	93933

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,683.00 (+10,130.56%)	$305,100 (+10.62%) Land $123,400 Building $179,800	$509,223 (+21.35%)
2025	$36.00 (-99%)	$275,800 (+3.3%) Land $111,300 Building $164,500	$419,615
2024	$3,610.00 (+0.87%)	$267,000 (+7.14%) Land $101,100 Building $165,900
2023	$3,579.00	$249,200 Land $101,100 Building $148,100

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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