4 Cross St, Apt 2, Marblehead, MA 01945 Property Records

Essex County and Marblehead Town property record for 4 Cross St, Apt 2, Marblehead, MA 01945

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,318 sqft · built 1900
Lot Size	0.141 acres (6,154 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Nov 2017)
Tax Bill	$4,809 (2026)
Deeds & Mortgages	Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MARB M:0109 B:0051 L:2`

Property Details

APN / Parcel Number

Primary APN	`MARB M:0109 B:0051 L:2`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Units	3 Units
Stories	2 Stories
Building Area	1,318 sqft Living Area
Gross Area	1,696 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,154 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4 CROSS ST, 2
City	MARBLEHEAD
State	MA
Zip	01945-2396
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	51
Legal Lot Number	2
Jurisdiction	MARBLEHEAD MA
Township / Civil Division	MARBLEHEAD
Census Block Group	1
Census Block	1001
Census Tract	203200

Owner

Source: Essex County and Marblehead 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 Individual Names on Record
Mailing Address	4 CROSS ST, 2, MARBLEHEAD, MA 01945-2396
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2017 · Amount on Record
Deed Sale	Nov 17, 2017 · Amount on Record
Prior Sale	Aug 30, 2013 · Amount on Record
Deed Book / Page	36341 / 508
Transfer Doc	036341-508
Record Updated	Oct 29, 2026

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MARBLEHEAD MA
Recording Date	Nov 17, 2017
Property Address	4 CROSS ST APT 2, 2, MARBLEHEAD, MA 01945-2396
Document Number	36341-508
Book / Page	036341 / 000508
Instrument Date	Nov 17, 2017
Instrument	1711175860
Transaction Type	Transfer
Record Updated	Dec 5, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,687.00
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	4 CROSS ST #2 MARBLEHEAD MA 019452323, 2, MARBLEHEAD, MA 01945-2323

Mortgage

Document Number	36341-510
Date	Nov 17, 2017
Book Page	036341/000510
Instrument	1711175870

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2047

Tax Assessment & Valuation

Source: Essex County and Marblehead Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
County Subdivision	Marblehead Town
Unified School District	Marblehead School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,809.00 (-3.08%)	$561,800 (+2.46%) Building $561,800	$579,975 (+10.14%)
2025	$4,962.00 (-0.18%)	$548,300 (-1.17%) Building $548,300	$526,585
2024	$4,971.00 (+5.52%)	$554,800 (+17.77%) Building $554,800
2023	$4,711.00	$471,100 Building $471,100

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 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 Claims	56 (1978–2018)
Claims Outside the SFHA	6 of 56
Most Recent Claim	Mar 2018 · Severe Winter Storm And Flooding
Claims by Event	Winter Coastal Storm, Dec 1992 · 8 claims Coastal Storm, Oct 1991 · 16 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 9 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	MARBLEHEAD WATER DEPT. (MWRA) serves 20,441 people · EPA ID MA3168000
Water Source	Purchased surface water from MWRA
Last State Inspection	Mar 2024
Lead	2 ppb (2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 759 locations within half a mile, as of December 31, 2025

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