128 Cottage St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 128 Cottage St, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,033 sqft · built 1900
Lot Size	0.931 acres (40,563 sqft)
Owner	2 Individual Names on File
Last Sale	$1,180,000 (Jun 2021)
Tax Bill	$14,374 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Apr 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`67-0000034A`

Property Details

APN / Parcel Number

Primary APN	`67-0000034A`
Alternative APN	`NATI M:00000067 P:0000034A`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,033 sqft Living Area
1st Floor Area	780 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1990
Architectural Style	Other
Exterior Material	Wood Siding
Lot Area	40,563 sqft (0.931 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	67-0000034A
Street Address	128 COTTAGE ST
City	NATICK
State	MA
Zip	01760-5808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSB
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	2
Census Block	2017
Census Tract	382300

Owner

Source: Middlesex County and Natick Town assessment roll, 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	2 Individual Names on File
Mailing Address	128 COTTAGE ST, NATICK, MA 01760-5808
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAMDEN NATIONAL BANK
Apr 9, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 30, 2021 · Amount on Record
Deed Sale	Jun 30, 2021 · Amount on Record
Prior Sale	Feb 14, 1997 · Amount on Record
Deed Document Number	2021148779
Deed Book / Page	78148 / 573
Prior Transfer Date	Feb 26, 2020
Prior Transfer Doc	074439-130
Record Updated	Jun 8, 2026

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Jun 30, 2021
Property Address	128 COTTAGE ST, NATICK, MA 01760-5808
Document Number	078148-573
Book / Page	78148 / 573
Instrument Date	Jun 30, 2021
Instrument	148779
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	128 COTTAGE ST, NATICK, MA 01760-5808

Mortgage

Document Number	0000148780
Date	Jun 30, 2021
Instrument	148780

Lender

Name	CAMDEN NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	00078149-1
Date	Jun 30, 2021
Book Page	78149/1
Instrument	148781

Lender

Name	CAMDEN NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2041

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Apr 9, 2020
Property Address	128 COTTAGE ST, NATICK, MA 01760-5808
Document Number	74439-130
Book / Page	074439 / 000130
Instrument Date	Feb 26, 2020
Instrument	52635
Transaction Type	Transfer
Record Updated	Apr 29, 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	128 COTTAGE ST NATICK MA 017605808, NATICK, MA 01760-5808

Tax Assessment & Valuation

Source: Middlesex County and Natick Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Natick Town
Unified School District	Natick School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,374.00 (+4.49%)	$1,201,800 (+7.11%) Land $518,800 Building $683,000	$1,418,255
2024	$13,756.00 (+4.36%)	$1,122,000 (+7.59%) Land $490,100 Building $631,900
2023	$13,181.00	$1,042,800 Land $455,000 Building $587,800

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 September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	9 (1978–2023)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Aug 2023 · rainfall accumulation

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 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NATICK WATER AND SEWER DIVISION serves 37,006 people · EPA ID MA3198000
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 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 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Radiate Holdings Cable	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

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