15 Cottage St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 15 Cottage St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	5 bd · 8 ba · 7,346 sqft · built 2023
Lot Size	1.94 acres (84,506 sqft)
Owner	Individual Name on File
Last Sale	$559,900 (Jun 2022)
Tax Bill	$18,577 (2026)
Deeds & Mortgages	Aug 2026 Mortgage May 2026 Transfer + 8 more
Flood Zone	Zone X (minimal risk)
APN	`M:49-P:007`

Property Details

APN / Parcel Number

Primary APN	`M:49-P:007`
Alternative APN	`NREA M:049.0 B:0000 L:0007.0`

Interior

Bedrooms	5 Beds
Full Baths	8 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	3 Stories
Building Area	7,346 sqft Living Area
Gross Area	2,821 sqft
1st Floor Area	1,890 sqft
Basement Area	1,616 sqft
Unfinished Basement	1,216 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	84,506 sqft (1.94 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	15 COTTAGE ST
City	NORTH READING
State	MA
Zip	01864-1517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Lot Number	7.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1001
Census Tract	330101

Owner

15 Cottage St is owned and occupied by an individual who acquired it in July 2022.

Source: Middlesex County and North Reading Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	15 COTTAGE ST, NORTH READING, MA 01864-1517
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage CAMDEN NATIONAL BANK
May 20, 2026	Quit Claim Deed, Subdivision Related Transfer Quitclaim
Jul 22, 2022	Quit Claim Deed, Transfer Quitclaim
Jun 2, 2022	Quit Claim Deed, Construction Loan · Construction Mortgage ENTERPRISE BANK & TRUST CO
Jun 7, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 7, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 15, 2018	Quit Claim Deed, Transfer Quitclaim
Sep 1, 2017	Quit Claim Deed, Transfer Quitclaim
Sep 1, 2017	Quit Claim Deed, Transfer Quitclaim
Sep 1, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2022 · Amount on File
Deed Sale	Jun 2, 2022 · Amount on File
Prior Sale	Sep 1, 2017
Deed Document Number	202282914
Deed Book / Page	80217 / 273
Last Transfer Date	Jul 19, 2022
Transfer Doc	080474-382
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Recording Date	Aug 7, 2026
Property Address	15 COTTAGE ST, NORTH READING, MA 01864-1517
Document Number	0000099632
Book / Page	85988 / 324
Instrument Date	Aug 3, 2026
Instrument	202699632
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 COTTAGE ST, NORTH READING, MA 01864-1517

Mortgage

Document Number	0000099632,
Date	Aug 7, 2026
Book Page	85988/324
Instrument	202699632

Lender

Name	CAMDEN NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

May 2026: Quit Claim Deed, Subdivision Related Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	May 20, 2026
Property Address	15 COTTAGE ST, NORTH READING, MA 01864-1517
Document Number	085622-537
Book / Page	85622 / 537
Instrument Date	May 19, 2026
Instrument	202658304
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15 COTTAGE ST, NORTH READING, MA 01864-1517

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Jul 22, 2022
Property Address	15 COTTAGE ST, NORTH READING, MA 01864-1517
Document Number	080474-382
Book / Page	80474 / 382
Instrument Date	Jul 19, 2022
Instrument	112517
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 MAGNOLIA ST, NORTH READING, MA 01864-1809

June 2022: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Jun 2, 2022
Property Address	15 COTTAGE ST, NORTH READING, MA 01864-1517
Document Number	080217-273
Book / Page	80217 / 273
Instrument Date	Jun 1, 2022
Instrument	82914
Transaction Type	Construction Loan
Record Updated	Jun 17, 2022

Transaction

Amount	Amount 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	12 MAGNOLIA ST, NORTH READING, MA 01864-1809

Mortgage

Document Number	0000082915
Date	Jun 2, 2022
Instrument	82915

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Jun 7, 2019
Property Address	15 COTTAGE ST, NORTH READING, MA 01864-1517
Document Number	72724-226
Book / Page	072724 / 000226
Instrument Date	Jun 4, 2019
Instrument	76809
Transaction Type	Transfer
Record Updated	Jun 25, 2019
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
Relationship	Revocable Trust
Address	70 BROWN AVE AMESBURY MA 019131137, AMESBURY, MA 01913-1137

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Jun 7, 2019
Property Address	15 COTTAGE ST, NORTH READING, MA 01864-1517
Document Number	72724-219
Book / Page	072724 / 000219
Instrument Date	Jun 4, 2019
Instrument	76807
Transaction Type	Transfer
Record Updated	Jun 25, 2019
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	70 BROWN AVE AMESBURY MA 019131137, AMESBURY, MA 01913-1137

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Oct 15, 2018
Property Address	15 COTTAGE ST, NORTH READING, MA 01864-1517
Document Number	71743-533
Book / Page	071743 / 000533
Instrument Date	Sep 19, 2018
Instrument	158032
Transaction Type	Transfer
Record Updated	Nov 16, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 COTTAGE ST NORTH READING MA 018641517, NORTH READING, MA 01864-1517

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Sep 1, 2017
Property Address	15 COTTAGE ST, NORTH READING, MA 01864-1517
Document Number	69875-374
Book / Page	069875 / 000374
Instrument Date	Aug 8, 2017
Instrument	142126
Transaction Type	Transfer
Record Updated	Sep 19, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	70 BROWN AVE AMESBURY MA 019131137, AMESBURY, MA 01913-1137

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Sep 1, 2017
Property Address	15 COTTAGE ST, NORTH READING, MA 01864-1517
Document Number	69875-367
Book / Page	069875 / 000367
Instrument Date	Aug 8, 2017
Instrument	142124
Transaction Type	Transfer
Record Updated	Sep 19, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 COTTAGE ST NORTH READING MA 018641517, NORTH READING, MA 01864-1517

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Sep 1, 2017
Property Address	15 COTTAGE ST, NORTH READING, MA 01864-1517
Document Number	69875-363
Book / Page	069875 / 000363
Instrument Date	Aug 8, 2017
Instrument	142123
Transaction Type	Transfer
Record Updated	Sep 19, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15 COTTAGE ST NORTH READING MA 018641517, NORTH READING, MA 01864-1517

Tax Assessment & Valuation

The 2026 property tax bill for 15 Cottage St was $18,577, up 7,672.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$18,577.00 (+7,672.8%)	$1,426,800 (-22.2%) Land $435,800 Building $991,000	$1,886,394 (+18.92%)
2025	$239.00 (-96.46%)	$1,833,900 (+259.03%) Land $419,000 Building $1,414,900	$1,586,215
2024	$6,748.00 (-19.45%)	$510,800 (-14.7%) Land $394,800 Building $116,000
2023	$8,377.00	$598,800 Land $363,400 Building $235,400

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

Flood

FEMA maps place 15 Cottage St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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

Wildfire risk around 15 Cottage St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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