55 Cross St, Bellingham, MA 02019 Property Records

Norfolk County and Bellingham Town property record for 55 Cross St, Bellingham, MA 02019

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,378 sqft · built 1955
Lot Size	0.382 acres (16,644 sqft)
Owner	2 Individual Names on Record
Last Sale	$298,000 (Dec 2005)
Tax Bill	$5,008 (2025)
Deeds & Mortgages	Dec 2020 Line of Credit Dec 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BELL M:0072 B:0005 L:0000`

Property Details

APN / Parcel Number

Primary APN	`BELL M:0072 B:0005 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,378 sqft Living Area
Gross Area	1,618 sqft
Basement Area	1,404 sqft
Unfinished Basement	1,404 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,644 sqft (0.382 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	55 CROSS ST
City	BELLINGHAM
State	MA
Zip	02019-1820
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	5
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, as of July 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	55 CROSS ST, BELLINGHAM, MA 02019-1820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Deed of Trust, Mortgage · Line of Credit ENVISION BANK
Dec 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Nov 15, 2019	Deed of Trust, Mortgage · Line of Credit ROCKLAND CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2005 · Amount on Record
Deed Sale	Dec 30, 2005 · Amount on Record
Prior Sale	Aug 28, 2003 · Amount on Record
Deed Document Number	2005131128
Deed Book / Page	23277 / 584
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELLINGHAM MA
Property Address	55 CROSS ST, BELLINGHAM, MA 02019-1820
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38794-310
Date	Dec 28, 2020
Book Page	38794/310
Instrument	147260

Lender

Name	ENVISION BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	289 Months
Due	Jan 1, 2045

Interest

Rate Type	Adjustable Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELLINGHAM MA
Property Address	55 CROSS ST, BELLINGHAM, MA 02019-1820
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38794-298
Date	Dec 28, 2020
Book Page	38794/298
Instrument	147259

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2036

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELLINGHAM MA
Property Address	55 CROSS ST, BELLINGHAM, MA 02019-1820
Document Number	37363-572
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 CROSS ST BELLINGHAM MA 020191820, BELLINGHAM, MA 02019-1820

Mortgage

Document Number	37363-572
Date	Nov 20, 2019
Book Page	037363/000572
Instrument	108125

Lender

Name	ROCKLAND CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 19, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Norfolk County and Bellingham Town assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,008.00 (+5.45%)	$398,700 (+7.96%) Land $166,500 Building $232,200	$511,290 (+3.94%)
2024	$4,749.00 (+3.71%)	$369,300 (+5.24%) Land $152,000 Building $217,300	$491,910
2023	$4,579.00	$350,900 Land $144,800 Building $206,100

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 May 26, 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	1 in force

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	BELLINGHAM DPW WATER SEWER DIVISION serves 16,556 people · EPA ID MA2025000
Water Source	Groundwater
Last State Inspection	Mar 2023
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2022
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 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cross St

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