45 Cross St, Bellingham, MA 02019 Property Records

Norfolk County and Bellingham Town property record for 45 Cross St, Bellingham, MA 02019 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,338 sqft · built 1949
Lot Size	0.839 acres (36,547 sqft)
Owner	Company Name on File
Last Sale	$430,000 (Apr 2026)
Tax Bill	$5,240 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BELL M:0072 B:0008 L:0000`

Property Details

APN / Parcel Number

Primary APN	`BELL M:0072 B:0008 L:0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,338 sqft Living Area
Gross Area	4,034 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	36,547 sqft (0.839 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 CROSS ST
City	BELLINGHAM
State	MA
Zip	02019-1820
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	8
Jurisdiction	BELLINGHAM MA
Township / Civil Division	BELLINGHAM
Census Block Group	3
Census Block	3003
Census Tract	443104

Owner

Source: Norfolk County and Bellingham Town records · APN BELL M:0072 B:0008 L:0000

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	Company Name on File
Mailing Address	15 COUNTY ST, FOXBORO, MA 02035-2613
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Apr 07, 2026	Quit Claim Deed, Transfer · Stand-Alone First Mortgage
Jun 14, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 07, 2026 · Amount on Record
Deed Sale	Apr 07, 2026 · Amount on Record
Prior Sale	Apr 08, 2013 · Amount on Record
Deed Document Number	202621836
Deed Book / Page	43032 / 398
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELLINGHAM MA
Property Address	45 CROSS ST, BELLINGHAM, MA 02019-1820
Transaction Type	Mortgage
Record Updated	Apr 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039505-116
Date	Jun 14, 2021
Book Page	39505/116
Instrument	76749

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELLINGHAM MA
Recording Date	Apr 07, 2026
Property Address	45 CROSS ST, BELLINGHAM, MA 02019-1820
Document Number	043032-398
Book / Page	43032 / 398
Instrument Date	Feb 20, 2026
Instrument	2026.21836
Transaction Type	Transfer
Record Updated	Apr 30, 2026

Transaction

Amount	Amount Recorded
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	15 COUNTY ST, FOXBORO, MA 02035-2613

Mortgage

Date	Apr 07, 2026

Lender

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate	6.01%
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELLINGHAM MA
Property Address	45 CROSS ST, BELLINGHAM, MA 02019-1820
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39505-116
Date	Jun 14, 2021
Book Page	39505/116
Instrument	76749

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Bellingham Town
Unified School District	Bellingham 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	$5,240.00 (+4.93%)	$417,200 (+7.44%) Land $170,400 Building $246,800	$530,005 (+1.73%)
2024	$4,994.00 (+3.74%)	$388,300 (+5.26%) Land $155,600 Building $232,700	$520,980
2023	$4,814.00	$368,900 Land $148,200 Building $220,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Norfolk County (25021C), updated May 26, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250214431043, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 98 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fiber	980 / 880

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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