124 Cottage St, Athol, MA 01331 Property Records

Worcester County and Athol Town property record for 124 Cottage St, Athol, MA 01331

Property Summary

Property Type	Duplex
Details	8 bd · 3 ba · 3,702 sqft · built 1900
Lot Size	0.253 acres (11,000 sqft)
Owner	Individual Name on Record
Last Sale	$422,000 (Apr 2024)
Tax Bill	$4,353 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Mar 2023 Sale & Line of Credit + 3 more
APN	`ATHO M:00029 B:00107 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ATHO M:00029 B:00107 L:00000`
Alternative APN	`2085`

Interior

Bedrooms	8 Beds
Full Baths	3 Baths
Total Rooms	18 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,702 sqft Living Area
Gross Area	6,016 sqft
Basement Area	3,050 sqft
Unfinished Basement	3,050 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,000 sqft (0.253 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	2085
Street Address	124 COTTAGE ST
City	ATHOL
State	MA
Zip	01331-2305
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	107
Jurisdiction	ATHOL MA
Township / Civil Division	ATHOL
Census Block Group	2
Census Block	2017
Census Tract	703100

Owner

Source: Worcester County and Athol Town records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	124 COTTAGE ST, ATHOL, MA 01331-2305
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2024	Quit Claim Deed, Transfer · FHA Mortgage CALCON MORTGAGE
Mar 24, 2023	Quit Claim Deed, Transfer · Line of Credit EQUITY TRUST COMPANY
Jan 12, 2018	Quit Claim Deed, Transfer
Jan 31, 2017	Quit Claim Deed, Transfer
Feb 6, 2017	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2024 · Amount on Record
Deed Sale	Apr 1, 2024 · Amount on Record
Prior Sale	Mar 24, 2023 · Amount on Record
Deed Book / Page	70346 / 107
Record Updated	Jun 8, 2026

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Apr 1, 2024
Property Address	124 COTTAGE ST, ATHOL, MA 01331-2305
Document Number	070346-107
Book / Page	70346 / 107
Instrument Date	Mar 29, 2024
Instrument	23146
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Amount	Amount Recorded
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
Address	124 COTTAGE ST, ATHOL, MA 01331-2305

Mortgage

Document Number	0000023147
Date	Apr 1, 2024
Instrument	23147

Lender

Name	CALCON MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Mortgage

Document Number	070346-124
Date	Apr 1, 2024
Book Page	70346/124
Instrument	23148

Lender

Name	CALCON MORTGAGE

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2034

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Mar 24, 2023
Property Address	124 COTTAGE ST, ATHOL, MA 01331-2305
Document Number	068948-162
Book / Page	68948 / 162
Instrument Date	Mar 24, 2023
Instrument	22924
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Amount	Amount Recorded
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
Address	25 EXCHANGE ST, ATHOL, MA 01331-1811

Mortgage

Document Number	0000022925
Date	Mar 24, 2023
Instrument	22925

Lender

Name	EQUITY TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Jan 12, 2018
Property Address	124 COTTAGE ST, ATHOL, MA 01331-2305
Document Number	58319-174
Book / Page	058319 / 000174
Instrument Date	Jan 11, 2018
Instrument	4389
Transaction Type	Transfer
Record Updated	Jan 30, 2018

Transaction

Amount	Amount Recorded
Tax	$85.73
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	153 RUSKINDALE RD HYDE PARK MA 021366151, HYDE PARK, MA 02136-6151

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Jan 31, 2017
Property Address	124 COTTAGE ST, ATHOL, MA 01331-2305
Document Number	6987-55
Book / Page	006987 / 000055
Instrument Date	Jun 16, 2016
Instrument	1024
Transaction Type	Transfer
Record Updated	Feb 21, 2017

Transaction

Amount	Amount Recorded
Tax	$1,710.00
Amount Accuracy	Confirmed
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 10262 BEDFORD NH 031100262, BEDFORD, NH 03110-0262

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Feb 6, 2017
Property Address	124 COTTAGE ST, ATHOL, MA 01331-2305
Document Number	56708-230
Book / Page	056708 / 000230
Instrument Date	Jun 16, 2016
Instrument	13359
Transaction Type	Transfer
Record Updated	Feb 28, 2017

Transaction

Amount	Amount Recorded
Tax	$1,710.00
Amount Accuracy	Confirmed
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 10262 BEDFORD NH 031100262, BEDFORD, NH 03110-0262

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Athol Town
Unified School District	Athol-Royalston School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$4,353.00 (+138.65%)	$342,500 (+140.86%) Land $49,500 Building $293,000
2024	$1,824.00 (-47.08%)	$142,200 (-42.08%) Land $49,500 Building $92,700
2023	$3,447.00	$245,500 Land $35,900 Building $209,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ATHOL DPW WATER DIVISION serves 10,587 people · EPA ID MA1015000
Water Source	Groundwater
Last State Inspection	Apr 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	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 328 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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