12 Cottage St, Wellesley, MA 02482 Property Records

Norfolk County and Wellesley Town property record for 12 Cottage St, Wellesley, MA 02482

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,056 sqft · built 1869
Lot Size	0.223 acres (9,721 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,800,000 (Jul 2026)
Tax Bill	$15,580 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WELL M:125 R:053 S`

Property Details

APN / Parcel Number

Primary APN	`WELL M:125 R:053 S`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,056 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1869
Effective Year Built	Effective 1996
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	9,721 sqft (0.223 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	12 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	12 COTTAGE ST, WELLESLEY, MA 02482-6901
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Mar 7, 2024	Personal Representative Deed, Transfer
Jul 27, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2026 · Amount on Record
Deed Sale	Jul 16, 2026 · Amount on Record
Prior Sale	Sep 18, 2007 · Amount on Record
Deed Document Number	202650092
Deed Book / Page	43242 / 532
Prior Transfer Date	Jul 2, 2020
Prior Transfer Doc	038138-392
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WELLESLEY MA
Recording Date	Jul 16, 2026
Property Address	12 COTTAGE ST, WELLESLEY, MA 02482-6901
Document Number	0000050092
Book / Page	43242 / 532
Instrument Date	Jul 14, 2026
Instrument	202650092
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12 COTTAGE ST, WELLESLEY, MA 02482-6901

Mortgage

Date	Jul 16, 2026

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Initial Type	Adjustable Rate
Type Change Date	Aug 1, 2033
Index	Other
Margin	3
Max Rate	-1%

March 2024: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	WELLESLEY MA
Recording Date	Mar 7, 2024
Property Address	12 COTTAGE ST, WELLESLEY, MA 02482-6901
Document Number	041668-570
Book / Page	41668 / 570
Instrument Date	Feb 1, 2024
Instrument	13249
Transaction Type	Transfer
Record Updated	Mar 22, 2024

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	200 CROSSING BLVD STE 300, 300, FRAMINGHAM, MA 01702-4484

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WELLESLEY MA
Recording Date	Jul 27, 2020
Property Address	12 COTTAGE ST, WELLESLEY, MA 02482-6901
Document Number	38138-392
Book / Page	038138 / 000392
Instrument Date	Jul 2, 2020
Instrument	73653
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 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	$15,580.00 (+4.45%)	$1,532,000 (+5.58%) Land $1,156,000 Building $376,000	$1,712,001 (-17.55%)
2025	$14,916.00 (+2.56%)	$1,451,000 (+3.87%) Land $1,118,000 Building $333,000	$2,076,510 (+5.9%)
2024	$14,543.00 (+1.53%)	$1,397,000 (+11.67%) Land $1,073,000 Building $324,000	$1,960,800
2023	$14,324.00	$1,251,000 Land $957,000 Building $294,000

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	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	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 278 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

May also be available: T-Mobile.

Nearby Properties on Cottage St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures