144 Cottage St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 144 Cottage St, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,128 sqft · built 1900
Lot Size	0.934 acres (40,698 sqft)
Owner	2 Individual Names on File
Last Sale	$910,000 (Jun 2021)
Tax Bill	$11,376 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`67-0000032A`

Property Details

APN / Parcel Number

Primary APN	`67-0000032A`
Alternative APN	`NATI M:00000067 P:0000032A`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,128 sqft Living Area
1st Floor Area	837 sqft
Basement Area	470 sqft
Unfinished Basement	470 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	40,698 sqft (0.934 acres)
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	67-0000032A
Street Address	144 COTTAGE ST
City	NATICK
State	MA
Zip	01760-5808
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSB
Legal Subdivision	PLAN 2880B
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	2
Census Block	2017
Census Tract	382300

Owner

144 Cottage St is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	144 COTTAGE ST, NATICK, MA 01760-5808
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE NTWK
Aug 1, 2017	Quit Claim Deed, Transfer · Conventional Mortgage RESIDENTIAL MTG SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2021 · Amount on File
Deed Sale	Jun 10, 2021 · Amount on File
Prior Sale	Aug 1, 2017 · Amount on File
Record Updated	Oct 29, 2026

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Jun 10, 2021
Property Address	144 COTTAGE ST, NATICK, MA 01760-5808
Document Number	1882737
Instrument Date	Jun 10, 2021
Instrument	1882737
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	144 COTTAGE ST, NATICK, MA 01760-5808

Mortgage

Document Number	1882738
Date	Jun 10, 2021
Instrument	1882738

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	144 COTTAGE ST, NATICK, MA 01760-5808
Document Number	0001855284
Instrument Date	Sep 22, 2020
Transaction Type	Mortgage
Record Updated	Oct 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	144 COTTAGE ST NATICK MA 017605808, NATICK, MA 01760-5808

Mortgage

Document Number	0001855284
Date	Oct 6, 2020
Instrument	1855284

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 5, 2050

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Aug 1, 2017
Property Address	144 COTTAGE ST, NATICK, MA 01760-5808
Document Number	0000066737
Instrument Date	Jul 24, 2017
Instrument	66737
Transaction Type	Transfer
Record Updated	May 5, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,306.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	144 COTTAGE ST NATICK MA 017605808, NATICK, MA 01760-5808

Mortgage

Document Number	66738
Date	Aug 1, 2017
Instrument	66738

Lender

Name	RESIDENTIAL MTG SVC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 144 Cottage St was $11,376, up 6% from the year before.

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	$11,376.00 (+6.04%)	$951,200 (+8.71%) Land $519,100 Building $432,100	$1,131,735
2024	$10,728.00 (+2.84%)	$875,000 (+6.02%) Land $490,400 Building $384,600
2023	$10,432.00	$825,300 Land $455,300 Building $370,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 144 Cottage St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 144 Cottage St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	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
Astound Broadband Cable	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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