45 Cross St, Ashland, MA 01721 Property Records

Middlesex County and Ashland Town property record for 45 Cross St, Ashland, MA 01721 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,145 sqft · built 1981
Lot Size	0.94 acres (40,946 sqft)
Owner	2 Individual Names on File
Last Sale	$690,000 (Sep 2023)
Tax Bill	$8,358 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:014/012.0-0242-0000.0`

Property Details

APN / Parcel Number

Primary APN	`M:014/012.0-0242-0000.0`
Alternative APN	`ASHL M:012.0 B:0242 L:0000.0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,145 sqft Living Area
1st Floor Area	884 sqft
Basement Area	884 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1993
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,946 sqft (0.94 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 CROSS ST
City	ASHLAND
State	MA
Zip	01721-1301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	242
Jurisdiction	ASHLAND MA
Township / Civil Division	ASHLAND
Census Block Group	1
Census Block	1011
Census Tract	385101

Owner

Source: Middlesex County and Ashland Town records · APN M:014/012.0-0242-0000.0

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	45 CROSS ST, ASHLAND, MA 01721-1301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 26, 2023 · Amount on Record
Deed Sale	Sep 26, 2023 · Amount on Record
Deed Book / Page	82034 / 551
Record Updated	Sep 20, 2026

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ASHLAND MA
Recording Date	Sep 26, 2023
Property Address	45 CROSS ST, ASHLAND, MA 01721-1301
Document Number	082034-551
Book / Page	82034 / 551
Instrument Date	Sep 26, 2023
Instrument	108609
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Tenants by the Entirety
Address	45 CROSS ST, ASHLAND, MA 01721-1301
Investor	Possibly a Property Investor

Mortgage

Document Number	0000108610
Date	Sep 26, 2023
Instrument	108610

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Ashland Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Ashland Town
Unified School District	Ashland School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,358.00 (+2.67%)	$654,500 (+6.44%) Land $271,200 Building $383,300	$741,760 (+4.07%)
2024	$8,141.00 (+8.24%)	$614,900 (+12.58%) Land $271,200 Building $343,700	$712,785
2023	$7,521.00	$546,200 Land $258,600 Building $287,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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