39 Cross St, Dover, MA 02030 Property Records

Norfolk County and Dover Town property record for 39 Cross St, Dover, MA 02030

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 10,607 sqft · built 2020
Lot Size	1.27 acres (55,321 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (Sep 2019)
Tax Bill	$27,018 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Jan 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`DOVE M:0006 B:00086 L:0000`

Property Details

APN / Parcel Number

Primary APN	`DOVE M:0006 B:00086 L:0000`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	4 Half Baths
Total Rooms	11 Rooms
Stories	3 Stories
Building Area	10,607 sqft Living Area
Gross Area	14,211 sqft
Basement Area	3,546 sqft
Unfinished Basement	1,123 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Mansion
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	55,321 sqft (1.27 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	39 CROSS ST
City	DOVER
State	MA
Zip	02030-2212
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	86
Jurisdiction	DOVER MA
Township / Civil Division	DOVER
Census Block Group	1
Census Block	1006
Census Tract	405100

Owner

39 Cross St is owned and occupied by two individuals who acquired it in December 2019.

Source: Norfolk County and Dover Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	39 CROSS ST, DOVER, MA 02030-2212
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2021	Deed of Trust, Mortgage · Balloon Mortgage FIRST REPUBLIC BANK
Jan 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST REPUBLIC BANK
Dec 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NEEDHAM BANK
Sep 12, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 5, 2018	Quit Claim Deed, Transfer · Conventional Mortgage FIRST BOSTON CNST HLD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2019 · Amount on File
Deed Sale	Sep 12, 2019 · Amount on File
Prior Sale	Apr 5, 2018 · Amount on File
Deed Document Number	20191429595
Last Transfer Date	Dec 19, 2019
Transfer Doc	0001437352
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOVER MA
Property Address	39 CROSS ST, DOVER, MA 02030-2212
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001465288
Date	Jan 4, 2021
Instrument	1465288

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	301 Months
Due	Feb 1, 2046

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOVER MA
Property Address	39 CROSS ST, DOVER, MA 02030-2212
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001465287
Date	Jan 4, 2021
Instrument	1465287

Lender

Name	FIRST REPUBLIC BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOVER MA
Property Address	39 CROSS ST, DOVER, MA 02030-2212
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001437353
Date	Dec 26, 2019
Instrument	1437353

Lender

Name	NEEDHAM BANK

Agreement

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

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DOVER MA
Recording Date	Sep 12, 2019
Property Address	39 CROSS ST, DOVER, MA 02030-2212
Document Number	0001429595
Instrument Date	Sep 10, 2019
Instrument	1429595
Transaction Type	Transfer
Record Updated	Oct 2, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$700.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	39 CROSS ST DOVER MA 020302212, DOVER, MA 02030-2212

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DOVER MA
Recording Date	Apr 5, 2018
Property Address	39 CROSS ST, DOVER, MA 02030-2212
Document Number	0001398251
Instrument Date	Apr 4, 2018
Instrument	1398251
Transaction Type	Transfer
Record Updated	Apr 24, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	22 ROCKY BROOK RD DOVER MA 020302444, DOVER, MA 02030-2444

Mortgage

Document Number	1398252
Date	Apr 5, 2018
Instrument	1398252

Lender

Name	FIRST BOSTON CNST HLD

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 39 Cross St was $27,018, down 0.3% from the year before.

Source: Norfolk County and Dover Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Dover Town
Elementary School District	Dover School District (PK - 05)
Secondary School District	Dover-Sherborn School District (06 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$27,018.00 (-0.28%)	$2,414,500 (+0.43%) Land $635,600 Building $1,778,900	$3,049,885
2025	$27,095.00 (+1%)	$2,404,200 (-1.77%) Land $625,300 Building $1,778,900
2024	$26,826.00 (+3.91%)	$2,447,600 (+15.57%) Land $604,600 Building $1,843,000
2023	$25,817.00	$2,117,900 Land $530,800 Building $1,587,100

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

Flood

FEMA maps place 39 Cross St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective May 26, 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	2 in force
Nearby Flood Claims	3 (1979–2010)
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 39 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	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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: AT&T, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross St

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