13 Cottage St, Douglas, MA 01516 Property Records

Worcester County and Douglas Town property record for 13 Cottage St, Douglas, MA 01516

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,604 sqft · built 1850
Lot Size	0.79 acres (34,412 sqft)
Owner	Individual Name on Record
Last Sale	$518,625 (Jun 2022)
Tax Bill	$7,033 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Jun 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2202-94`

Property Details

APN / Parcel Number

Primary APN	`2202-94`
Alternative APN	`DOUG M:0163 B:0000014 L`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,604 sqft Living Area
Gross Area	3,940 sqft
Basement Area	806 sqft
Unfinished Basement	806 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	34,412 sqft (0.79 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2202-94
Street Address	13 COTTAGE ST
City	DOUGLAS
State	MA
Zip	01516-3106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	14
Jurisdiction	DOUGLAS MA
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2022
Census Tract	752101

Owner

Source: Worcester County and Douglas 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	Individual Name on Record
Mailing Address	PO BOX 1115, DOUGLAS, MA 01516-1115
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · Line of Credit CENTRAL ONE FCU
Jun 10, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ONTO MORTGAGE
Jul 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Sep 25, 2019	Deed of Trust, Mortgage LOANDEPOT.COM LLC
May 30, 2018	Quit Claim Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2022 · Amount on Record
Deed Sale	Jun 10, 2022 · Amount on Record
Prior Sale	May 30, 2018 · Amount on Record
Deed Book / Page	67732 / 353
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS MA
Property Address	13 COTTAGE ST, DOUGLAS, MA 01516-3106
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072955-189
Date	Dec 12, 2025
Book Page	72955/189
Instrument	108586

Lender

Name	CENTRAL ONE FCU

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DOUGLAS MA
Recording Date	Jun 10, 2022
Property Address	13 COTTAGE ST, DOUGLAS, MA 01516-3106
Document Number	067732-353
Book / Page	67732 / 353
Instrument Date	Jun 10, 2022
Instrument	63618
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	13 COTTAGE ST, DOUGLAS, MA 01516-3106

Mortgage

Document Number	0000063619
Date	Jun 10, 2022
Instrument	63619

Lender

Name	ONTO MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS MA
Property Address	13 COTTAGE ST, DOUGLAS, MA 01516-3106
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	062721-271
Date	Jul 2, 2020
Book Page	62721/271
Instrument	70812

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2045

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS MA
Property Address	13 COTTAGE ST, DOUGLAS, MA 01516-3106
Document Number	61144-100
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13 COTTAGE ST DOUGLAS MA 01516, DOUGLAS, MA 01516

Mortgage

Document Number	61144-100
Date	Sep 30, 2019
Book Page	061144/000100
Instrument	101722

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2049

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DOUGLAS MA
Recording Date	May 30, 2018
Property Address	13 COTTAGE ST, DOUGLAS, MA 01516-3106
Document Number	58865-291
Book / Page	058865 / 000291
Instrument Date	May 21, 2018
Instrument	51732
Transaction Type	Transfer
Record Updated	Aug 8, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,710.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13 COTTAGE ST DOUGLAS MA 01516, DOUGLAS, MA 01516

Mortgage

Document Number	58865-293
Date	May 30, 2018
Book Page	058865/000293
Instrument	51733

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,033.00 (+1.24%)	$582,700 (+10.46%) Land $115,600 Building $467,100	$546,925 (-5.64%)
2025	$6,947.00 (+0.61%)	$527,500 (+3.29%) Land $104,600 Building $422,900	$579,595
2024	$6,905.00 (+3.06%)	$510,700 (+9.45%) Land $99,600 Building $411,100
2023	$6,700.00	$466,600 Land $99,600 Building $367,000

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 November 30, 2025 · 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	2 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	DOUGLAS WATER DEPARTMENT serves 4,400 people · EPA ID MA2077000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	2 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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