Middlesex County and Hudson Town property record for 103 Cottage St, Hudson, MA 01749
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,880 sqft · built 1927 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $360,000 (Oct 2018) |
| Tax Bill | $5,742 (2025) |
| Deeds & Mortgages | Jun 2024 Refinance Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10048 |
| Primary APN | 10048 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,880 sqft Living Area |
| Gross Area | 3,303 sqft |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 840 sqft |
| Unfinished Basement | 840 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 10048 |
|---|---|
| Street Address | 103 COTTAGE ST |
| City | HUDSON |
| State | MA |
| Zip | 01749-1421 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SA8 |
| Legal Lot Number | 48 |
| Jurisdiction | HUDSON MA |
| Township / Civil Division | HUDSON |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 322300 |
103 Cottage St is owned and occupied by an individual who bought it in October 2018.
Source: Middlesex County and Hudson Town records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 103 COTTAGE ST, HUDSON, MA 01749-1421 |
| 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.
| Date | Document |
|---|---|
| Jun 21, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance CLINTON SAVINGS BANK |
| Oct 19, 2018 | Quit Claim Deed, Transfer BAYCOAST MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 19, 2018 · Amount on File |
| Deed Sale | Oct 19, 2018 · Amount on File |
| Prior Sale | Jun 30, 2006 · Amount on File |
| Deed Book / Page | 71768 / 1 |
| Transfer Doc | 00071768-1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HUDSON MA |
| Property Address | 103 COTTAGE ST, HUDSON, MA 01749-1421 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00082918-1 |
|---|---|
| Date | Jun 21, 2024 |
| Book Page | 82918/1 |
| Instrument | 66773 |
| Name | CLINTON SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2044 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HUDSON MA |
| Recording Date | Oct 19, 2018 |
| Property Address | 103 COTTAGE ST, HUDSON, MA 01749-1421 |
| Document Number | 71768-1 |
| Book / Page | 71768 / 1 |
| Instrument | 161050 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $43.52 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 717680004 |
|---|---|
| Date | Oct 19, 2018 |
| Instrument | 71768/0004 |
| Name | BAYCOAST MORTGAGE CO |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 19, 2048 |
The 2025 property tax bill for 103 Cottage St was $5,742, up 2.8% from the year before.
Source: Middlesex County and Hudson Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Hudson Town |
| Unified School District | Hudson School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,742.00 (+2.81%) | $413,700 (+3.71%) Land $161,900 Building $251,800 | $597,455 (+1.96%) |
| 2024 | $5,585.00 (+8.98%) | $398,900 (+13.65%) Land $147,100 Building $251,800 | $585,960 |
| 2023 | $5,125.00 | $351,000 Land $141,500 Building $209,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Cottage St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026
| 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 risk around 103 Cottage St is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HUDSON WATER SUPPLY serves 20,032 people · EPA ID MA2141000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2024 |
| Lead | 3 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures