4 Cross St, Salem, MA 01970 Property Records

Essex County and Salem City property record for 4 Cross St, Salem, MA 01970

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 2,218 sqft · built 1900
Lot Size	0.074 acres (3,202 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Dec 2019)
Tax Bill	$7,250 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Apr 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SALE M:36 L:0103`

Property Details

APN / Parcel Number

Primary APN	`SALE M:36 L:0103`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	3 Stories
Building Area	2,218 sqft Living Area
Gross Area	3,627 sqft
Basement Area	907 sqft
Unfinished Basement	907 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,202 sqft (0.074 acres)
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	4 CROSS ST
City	SALEM
State	MA
Zip	01970-2604
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Lot Number	103
Jurisdiction	SALEM MA
Township / Civil Division	SALEM
Census Block Group	1
Census Block	1026
Census Tract	204500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Bridge Street Neck Historic District listed 2002 · 383 contributing resources · NRIS 02000790

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Essex County and Salem City records, as of April 14, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	4 CROSS ST, SALEM, MA 01970-2604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Apr 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MID-ISLAND MORTGAGE CORP
Dec 16, 2019	Quit Claim Deed, Transfer · FHA Mortgage DRAPER AND KRAMER MORTGAGE CORP.
Oct 5, 2018	Quit Claim Deed, Transfer · Conventional Mortgage MTG C MID-ISLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2019 · Amount on Record
Deed Sale	Dec 16, 2019 · Amount on Record
Prior Sale	Oct 5, 2018 · Amount on Record
Deed Book / Page	38115 / 580
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	4 CROSS ST, SALEM, MA 01970-2604
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041945-13
Date	Jan 11, 2024
Book Page	41945/13

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Feb 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALEM MA
Property Address	4 CROSS ST, SALEM, MA 01970-2604
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37476-516
Date	Apr 30, 2019
Book Page	37476/516
Instrument	20190430004420

Lender

Name	MID-ISLAND MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALEM MA
Recording Date	Dec 16, 2019
Property Address	4 CROSS ST, SALEM, MA 01970-2604
Document Number	38115-580
Book / Page	38115 / 580
Instrument Date	Nov 29, 2019
Instrument	20191216002620
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	4 CROSS ST, SALEM, MA 01970-2604

Mortgage

Document Number	191216002630
Date	Dec 16, 2019
Instrument	191216002630

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SALEM MA
Recording Date	Oct 5, 2018
Property Address	4 CROSS ST, SALEM, MA 01970-2604
Document Number	37066-6
Book / Page	037066 / 000006
Instrument Date	Sep 27, 2018
Instrument	5002080
Transaction Type	Transfer
Record Updated	Oct 23, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,298.24
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 CROSS ST SALEM MA 019702604, SALEM, MA 01970-2604

Mortgage

Document Number	37066-10
Date	Oct 5, 2018
Book Page	037066/000010
Instrument	5002090

Lender

Name	MTG C MID-ISLAND

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2048

Tax Assessment & Valuation

Source: Essex County and Salem City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
Municipality	Salem City
Unified School District	Salem School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$7,250.00 (+4.41%)	$639,300 (+6.98%) Land $163,300 Building $476,000
2024	$6,944.00 (+2.57%)	$597,600 (+10.42%) Land $154,700 Building $442,900
2023	$6,770.00	$541,200 Land $143,300 Building $397,900

Assessed value is set for property tax purposes and is not a market price estimate.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 43 individual policies
Nearby Flood Policies	48 units insured incl. 5 condo units
Nearby Flood Claims	21 (1982–2024)
Claims Outside the SFHA	4 of 21
Most Recent Claim	Jan 2024 · tidal / storm surge

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	Low lower than 99.1% of the US · lower than 98.7% 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	SALEM WATER DEPARTMENT serves 44,480 people · EPA ID MA3258000
Water Source	Purchased surface water from SALEM AND BEVERLY WATER SUPPLY BOARD
Last State Inspection	Dec 2024

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 505 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross St

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