The mismatch between solar radiation resources and building heating demand on a seasonal scale makes cross-seasonal heat storage a crucial technology, especially for plateau areas. Utilizing phase change materials with high energy density and stable heat output effectively improves energy storage efficiency. This study integrates cascaded phase change with a cross-seasonal heat storage system aimed at achieving low-carbon heating. The simulation analyzes heat distribution and temperature changes from the heat storage system to the heating terminal. The results indicate that although the solar collectors operate for 26.3% of the total heat storage and heating period, the cumulative heat stored is 45.4% higher than the total heating load. Heat transferred by the cross-seasonal heat storage system accounts for up to 61.2% of the total heating load. Therefore, the system reduces fuel consumption by 77.6% compared to conventional fossil fuel heating systems. Moreover, radiant floor heating terminals, with a wide range of operating temperatures, match well with cascaded phase change heat storage and can reduce operation time by 19.5% and heat demand by 5.2% compared to conventional radiators. In addition to demonstrating the feasibility of applying cascaded phase change technology in cross-seasonal heat storage heating, this study reveals the lifecycle sustainability due to the shortened heat storage period. The configuration, parameters, and simulation results provide a reference basis for system application and design.