10 Cottage St, Wellesley, MA 02482 Property Records

Norfolk County and Wellesley Town property record for 10 Cottage St, Wellesley, MA 02482

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,548 sqft · built 1876
Lot Size	0.214 acres (9,321 sqft)
Owner	2 Individual Names on Record
Last Sale	$755,000 (May 2017)
Tax Bill	$12,753 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit May 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WELL M:125 R:052 S`

Property Details

APN / Parcel Number

Primary APN	`WELL M:125 R:052 S`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,548 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1876
Effective Year Built	Effective 1984
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	9,321 sqft (0.214 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10 COTTAGE ST
City	WELLESLEY
State	MA
Zip	02482-6901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR10
Jurisdiction	WELLESLEY MA
Township / Civil Division	WELLESLEY
Census Block Group	5
Census Block	5001
Census Tract	404400

Owner

Source: Norfolk County and Wellesley Town records, as of October 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	10 COTTAGE ST, WELLESLEY, MA 02482-6901
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
May 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
May 31, 2017	Quit Claim Deed, Transfer GUARANTEED RATE
Apr 6, 2017	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2017 · Amount on Record
Deed Sale	May 31, 2017 · Amount on Record
Prior Sale	Dec 7, 1990 · Amount on Record
Deed Document Number	201747404
Deed Book / Page	35154 / 291
Transfer Doc	035154-291
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLESLEY MA
Recording Date	Jun 29, 2026
Property Address	10 COTTAGE ST, WELLESLEY, MA 02482-6901
Document Number	0000044872
Book / Page	43204 / 62
Instrument Date	May 19, 2026
Instrument	202644872
Transaction Type	Mortgage
Record Updated	Jul 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 COTTAGE ST, WELLESLEY, MA 02482-6901

Mortgage

Document Number	0000044872,
Date	Jun 29, 2026
Book Page	43204/62
Instrument	202644872

Lender

Name	SALEM FIVE CENTS SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate	6.23%
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLESLEY MA
Property Address	10 COTTAGE ST, WELLESLEY, MA 02482-6901
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039416-432
Date	May 19, 2021
Book Page	39416/432
Instrument	65970

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WELLESLEY MA
Recording Date	May 31, 2017
Property Address	10 COTTAGE ST, WELLESLEY, MA 02482-6901
Document Number	35154-291
Book / Page	035154 / 000291
Instrument Date	May 25, 2017
Instrument	47404
Transaction Type	Transfer
Record Updated	Jun 20, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$755.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 COTTAGE ST WELLESLEY MA 024826901, WELLESLEY, MA 02482-6901

Mortgage

Document Number	35154-296
Date	May 31, 2017
Book Page	035154/000296
Instrument	47405

Lender

Name	GUARANTEED RATE

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 30, 2047

April 2017: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	WELLESLEY MA
Recording Date	Apr 6, 2017
Property Address	10 COTTAGE ST, WELLESLEY, MA 02482-6901
Document Number	35022-255
Book / Page	035022 / 000255
Instrument Date	Mar 30, 2017
Instrument	29438
Transaction Type	Transfer
Record Updated	Apr 25, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 COTTAGE ST WELLESLEY MA 024826901, WELLESLEY, MA 02482-6901

Tax Assessment & Valuation

Source: Norfolk County and Wellesley Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Wellesley Town
Unified School District	Wellesley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,753.00 (+0.29%)	$1,254,000 (+1.37%) Land $1,141,000 Building $113,000	$1,406,805 (+8.36%)
2025	$12,716.00 (+2.74%)	$1,237,000 (+4.04%) Land $1,108,000 Building $129,000	$1,298,270 (+11.16%)
2024	$12,377.00 (+1.59%)	$1,189,000 (+11.75%) Land $1,064,000 Building $125,000	$1,167,930
2023	$12,183.00	$1,064,000 Land $949,000 Building $115,000

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	3 in force
Nearby Flood Claims	6 (1979–2019)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Aug 2019 · other causes

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 99.1% of the US · lower than 98.7% 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	WELLESLEY WATER DIVISION serves 29,550 people · EPA ID MA3317000
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
Lead	4 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 255 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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