88 Cross St, Methuen, MA 01844 Property Records

Essex County and Methuen City property record for 88 Cross St, Methuen, MA 01844

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,637 sqft · built 1995
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on File
Last Sale	$640,000 (Aug 2022)
Tax Bill	$6,536 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`METH M:00412 B:00126B L:00010E`

Property Details

APN / Parcel Number

Primary APN	`METH M:00412 B:00126B L:00010E`
Alternative APN	`9822`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,637 sqft Living Area
Gross Area	5,018 sqft
Basement Area	1,026 sqft
Unfinished Basement	441 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9822
Street Address	88 CROSS ST
City	METHUEN
State	MA
Zip	01844-1615
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD
Legal Block	126B
Legal Lot Number	10E
Jurisdiction	METHUEN MA
Township / Civil Division	METHUEN TOWN
Census Block Group	1
Census Block	1013
Census Tract	252202

Owner

88 Cross St is owned and occupied by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	88 CROSS ST, METHUEN, MA 01844-1615
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 22, 2026	Deed of Trust, Mortgage · Line of Credit
Aug 26, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage M & T BANK
May 17, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2022 · Amount on File
Deed Sale	Aug 26, 2022 · Amount on File
Prior Sale	Aug 30, 2004 · Amount on File
Deed Document Number	202220295
Deed Book / Page	17550 / 78
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	METHUEN MA
Recording Date	Jun 22, 2026
Property Address	88 CROSS ST, METHUEN, MA 01844-1615
Document Number	0000010110
Book / Page	18613 / 125
Instrument Date	Jun 8, 2026
Instrument	202610110
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	88 CROSS ST, METHUEN, MA 01844-1615

Mortgage

Document Number	0000010110,
Date	Jun 22, 2026
Book Page	18613/125
Instrument	202610110

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Max Rate	-1%

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	METHUEN MA
Recording Date	Aug 26, 2022
Property Address	88 CROSS ST, METHUEN, MA 01844-1615
Document Number	0017550-78
Book / Page	17550 / 78
Instrument Date	Aug 26, 2022
Instrument	20295
Transaction Type	Transfer
Record Updated	Sep 9, 2022

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	88 CROSS ST, METHUEN, MA 01844-1615

Mortgage

Document Number	0000020296
Date	Aug 26, 2022
Instrument	20296

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.63%
Type Change Date	Sep 1, 2032
Max Rate At Change	3%
Index	Other
Margin	3

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	METHUEN MA
Recording Date	May 17, 2021
Property Address	88 CROSS ST, METHUEN, MA 01844-1615
Document Number	16932-319
Book / Page	16932 / 319
Instrument Date	May 12, 2021
Instrument	16387
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	88 CROSS ST, METHUEN, MA 01844-1615

Tax Assessment & Valuation

The 2026 property tax bill for 88 Cross St was $6,536, up 3.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,536.00 (+3.53%)	$628,500 (+5.33%) Land $200,200 Building $428,300	$709,788 (-3.18%)
2025	$6,313.00 (+1.79%)	$596,700 (+4.48%) Land $200,200 Building $396,500	$733,115
2024	$6,202.00 (+4.22%)	$571,100 (+12.29%) Land $175,000 Building $396,100
2023	$5,951.00	$508,600 Land $154,000 Building $354,600

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

Flood

FEMA maps place 88 Cross St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Policies	7 in force
Nearby Flood Claims	3 (1996–2006)
Claims Outside the SFHA	2 of 3
Most Recent Claim	May 2006 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, May 2006 · 2 claims

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 88 Cross St is low, with less than 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 97% of the US · lower than 94% 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	METHUEN WATER DEPT serves 53,059 people · EPA ID MA3181000
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 76 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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