Worcester County and Worcester City property record for 11 Cottage St, Worcester, MA 01609
| Property Type | Duplex |
|---|---|
| Details | 7 bd · 2 ba · 2,790 sqft · built 1890 |
| Lot Size | 0.131 acres (5,709 sqft) |
| Owner | Individual Name on File |
| Last Sale | $183,500 (Sep 2014) |
| Tax Bill | $5,400 (2026) |
| Deeds & Mortgages | Mar 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 3-027-00018 |
| Primary APN | 3-027-00018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 13 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,790 sqft Living Area |
| Gross Area | 5,571 sqft |
| 1st Floor Area | 1,395 sqft |
| Attic | Attic |
| Attic Area | 1,050 sqft |
| Basement Area | 1,395 sqft |
| Unfinished Basement | 1,395 sqft |
| 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 | 5,709 sqft (0.131 acres) |
| Garage Type | Basement |
| Heating System | Steam |
|---|
| Account Number | 3-027-00018 |
|---|---|
| Street Address | 11 COTTAGE ST |
| City | WORCESTER |
| State | MA |
| Zip | 01609-2301 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RG-5 |
| Legal Block | 27 |
| Legal Lot Number | 18 |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 731500 |
11 Cottage St, a duplex, is owned and occupied by an individual who bought it in September 2014.
Source: Worcester County and Worcester City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11 COTTAGE ST, WORCESTER, MA 01609-2301 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 2014 · Amount on File |
| Deed Sale | Sep 26, 2014 · Amount on File |
| Prior Sale | Sep 30, 2011 · Amount on File |
| Deed Book / Page | 52846 / 199 |
| Transfer Doc | 052846-199 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WORCESTER MA |
| Property Address | 11 COTTAGE ST, WORCESTER, MA 01609-2301 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0067318-39 |
|---|---|
| Date | Mar 24, 2022 |
| Book Page | 67318/39 |
| Instrument | 32690 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2037 |
The 2026 property tax bill for 11 Cottage St was $5,400, up 4.8% from the year before.
Source: Worcester County and Worcester City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Worcester City |
| Unified School District | Worcester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,400.00 (+4.79%) | $406,600 (+4.07%) Land $58,400 Building $348,200 | $501,088 |
| 2025 | $5,153.00 | $390,700 Land $57,800 Building $332,900 | |
| 2023 | $4,501.00 | $313,900 Land $45,600 Building $268,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 Cottage St in Zone X, an area of minimal flood risk.
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.
The area around 11 Cottage St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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