10 Cottage St, Worcester, MA 01609 Property Records

Worcester County and Worcester City property record for 10 Cottage St, Worcester, MA 01609

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,592 sqft · built 1890
Lot Size	0.154 acres (6,704 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Aug 2022)
Tax Bill	$6,534 (2026)
Deeds & Mortgages	Apr 2023 Sale Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3-027-00010`

Property Details

APN / Parcel Number

Primary APN	`3-027-00010`
Alternative APN	`WORC M:03 B:027 L:00010`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,592 sqft Living Area
Gross Area	4,418 sqft
1st Floor Area	1,296 sqft
Basement Area	1,296 sqft
Unfinished Basement	1,296 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,704 sqft (0.154 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Account Number	3-027-00010
Street Address	10 COTTAGE ST
City	WORCESTER
State	MA
Zip	01609-2302
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RG-5
Legal Block	27
Legal Lot Number	10
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	3
Census Block	3007
Census Tract	731601

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	10 COTTAGE ST, WORCESTER, MA 01609-2302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2023	Deed, Transfer
Aug 30, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Sep 10, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CLINTON SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2022 · Amount on File
Deed Sale	Aug 30, 2022 · Amount on File
Prior Sale	Oct 4, 2013 · Amount on File
Deed Book / Page	68146 / 69
Record Updated	Oct 29, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MA
Recording Date	Apr 4, 2023
Property Address	10 COTTAGE ST, WORCESTER, MA 01609-2302
Document Number	0068986-72
Book / Page	68986 / 72
Instrument Date	Nov 21, 2022
Instrument	25851
Transaction Type	Transfer
Record Updated	Apr 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 COTTAGE ST, WORCESTER, MA 01609-2302

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Aug 30, 2022
Property Address	10 COTTAGE ST, WORCESTER, MA 01609-2302
Document Number	0068146-69
Book / Page	68146 / 69
Instrument Date	Aug 30, 2022
Instrument	95775
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	308 CENTRAL ST, ACTON, MA 01720-2444
Investor	Possibly a Property Investor

Mortgage

Document Number	0000095776
Date	Aug 30, 2022
Instrument	95776

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	10 COTTAGE ST, WORCESTER, MA 01609-2302
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61028-102
Date	Sep 10, 2019
Book Page	61028/102
Instrument	92798

Lender

Name	CLINTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,534.00 (+4.8%)	$492,000 (+4.08%) Land $63,800 Building $428,200	$510,740
2025	$6,235.00 (+14.7%)	$472,700 (+24.69%) Land $63,100 Building $409,600
2023	$5,436.00	$379,100 Land $49,900 Building $329,200

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 November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people · EPA ID MA2348000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 497 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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