44 Cross St, Beverly, MA 01915 Property Records

Essex County and Beverly City property record for 44 Cross St, Beverly, MA 01915

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 3,450 sqft · built 1880
Lot Size	0.292 acres (12,711 sqft)
Owner	2 Trust Names on File
Tax Bill	$9,961 (2025)
Deeds & Mortgages	Jun 2020 Refinance Jul 2020 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R10`

Property Details

APN / Parcel Number

Primary APN	`R10`
Alternative APNs	`BEVE M:0022 B:0149 L` `5336`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	3 Stories
Building Area	3,450 sqft Living Area
Gross Area	6,050 sqft
Basement Area	1,427 sqft
Unfinished Basement	1,427 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,711 sqft (0.292 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	5336
Street Address	44 CROSS ST
City	BEVERLY
State	MA
Zip	01915-3841
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R10
Legal Block	149
Jurisdiction	BEVERLY MA
Township / Civil Division	BEVERLY
Census Block Group	1
Census Block	1000
Census Tract	217500

Owner

44 Cross St, a duplex, is owner-occupied and held in a trust since July 2020.

Source: Essex County and Beverly City records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	44 CROSS ST, BEVERLY, MA 01915-3841
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jun 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE
Jul 22, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 4, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 20, 2017	Quit Claim Deed, Transfer Quitclaim
Sep 20, 2017	Quit Claim Deed, Transfer FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2017
Deed Sale	Sep 20, 2017
Prior Sale	Sep 20, 2017 · Amount on File
Deed Book / Page	36190 / 39
Last Transfer Date	Jul 20, 2020
Transfer Doc	38739-408
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEVERLY MA
Property Address	44 CROSS ST, BEVERLY, MA 01915-3841
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38659-241
Date	Jun 29, 2020
Book Page	38659/241
Instrument	20200629003810

Lender

Name	HARBORONE MORTGAGE

Agreement

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

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEVERLY MA
Recording Date	Jul 22, 2020
Property Address	44 CROSS ST, BEVERLY, MA 01915-3841
Document Number	38739-408
Book / Page	038739 / 000408
Instrument Date	Jul 20, 2020
Instrument	22004900
Transaction Type	Transfer
Record Updated	Aug 11, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	44 CROSS ST BEVERLY MA 019153841, BEVERLY, MA 01915-3841

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEVERLY MA
Recording Date	Jun 4, 2020
Property Address	44 CROSS ST, BEVERLY, MA 01915-3841
Document Number	38581-183
Book / Page	038581 / 000183
Instrument Date	Jun 2, 2020
Instrument	4001950
Transaction Type	Transfer
Record Updated	Jun 23, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 HART ST BEVERLY MA 019152162, BEVERLY, MA 01915-2162

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEVERLY MA
Recording Date	Sep 20, 2017
Property Address	44 CROSS ST, BEVERLY, MA 01915-3841
Document Number	36190-39
Book / Page	036190 / 000039
Instrument Date	Sep 20, 2017
Instrument	1709200303
Transaction Type	Transfer
Record Updated	Oct 10, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	44 CROSS ST BEVERLY MA 019153841, BEVERLY, MA 01915-3841

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BEVERLY MA
Recording Date	Sep 20, 2017
Property Address	44 CROSS ST, BEVERLY, MA 01915-3841
Document Number	36189-583
Book / Page	36189 / 583
Instrument	294
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$72.57
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	361890586
Date	Sep 20, 2017
Instrument	36189/0586

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 44 Cross St was $9,961, up 4.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,961.00 (+4.52%)	$906,400 (+6.81%) Land $450,900 Building $455,500	$955,378
2024	$9,530.00 (+6.29%)	$848,600 (+6.57%) Land $393,100 Building $455,500
2023	$8,966.00	$796,300 Land $364,200 Building $432,100

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

Flood

FEMA maps place 44 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

Wildfire risk around 44 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.

Drinking Water

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

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 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.

Nearby Properties on Cross St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures