97 Cross St, Dunstable, MA 01827 Property Records

Middlesex County and Dunstable Town property record for 97 Cross St, Dunstable, MA 01827

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,487 sqft · built 1978
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,149 (2026)
Deeds & Mortgages	Mar 2023 Line of Credit Nov 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`DUNS M:0012 B:0072 L:0`

Property Details

APN / Parcel Number

Primary APN	`DUNS M:0012 B:0072 L:0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,487 sqft Living Area
Gross Area	4,621 sqft
1st Floor Area	884 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	97 CROSS ST
City	DUNSTABLE
State	MA
Zip	01827-2202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	72
Jurisdiction	DUNSTABLE MA
Township / Civil Division	DUNSTABLE
Census Block Group	1
Census Block	1023
Census Tract	328100

Owner

97 Cross St is owned and occupied by two individuals.

Source: Middlesex County and Dunstable Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	97 CROSS ST, DUNSTABLE, MA 01827-2202
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 15, 2023	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Nov 24, 2017	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Dec 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUNSTABLE MA
Property Address	97 CROSS ST, DUNSTABLE, MA 01827-2202
Transaction Type	Mortgage
Record Updated	Mar 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037725-214
Date	Mar 15, 2023
Book Page	37725/214
Instrument	7065

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Adjustable Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUNSTABLE MA
Property Address	97 CROSS ST, DUNSTABLE, MA 01827-2202
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31669-228
Date	Nov 24, 2017
Book Page	31669/228
Instrument	52779

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUNSTABLE MA
Property Address	97 CROSS ST, DUNSTABLE, MA 01827-2202
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35034-271
Date	Dec 11, 2020
Book Page	35034/271
Instrument	64473

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 97 Cross St was $8,149, down 2.6% from the year before.

Source: Middlesex County and Dunstable Town assessment roll, as of April 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,149.00 (-2.62%)	$608,600 (-) Land $221,000 Building $368,900	$573,420 (-)
2025	$8,368.00 (+4.63%)	$608,600 (+6.23%) Land $221,000 Building $387,600	$573,420 (+12.13%)
2024	$7,998.00 (-0.36%)	$572,900 (+6.84%) Land $202,700 Building $370,200	$511,385
2023	$8,027.00	$536,200 Land $202,700 Building $333,500

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

Flood

FEMA maps place 97 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 September 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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

Wildfire risk around 97 Cross St is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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