164 Cottage St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 164 Cottage St, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,938 sqft · built 2023
Lot Size	0.474 acres (20,665 sqft)
Owner	2 Individual Names on File
Last Sale	$1,700,000 (Dec 2023)
Tax Bill	$20,013 (2025)
Deeds & Mortgages	Jan 2024 Refinance Dec 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`67-0000026A`

Property Details

APN / Parcel Number

Primary APN	`67-0000026A`
Alternative APN	`NATI M:00000067 P:0000026A`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,938 sqft Living Area
1st Floor Area	1,388 sqft
Basement Area	1,388 sqft
Unfinished Basement	1,388 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Colonial
Exterior Material	Wood Siding
Lot Area	20,665 sqft (0.474 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	67-0000026A
Street Address	164 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	2012
Census Tract	382300

Owner

164 Cottage St is owned and occupied by two individuals who bought it in December 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	164 COTTAGE ST, NATICK, MA 01760-5808
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 30, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance MORGAN STANLEY PRIVATE BANK
Dec 5, 2023	Quit Claim Deed, Transfer
Jun 22, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MUTUALONE BANK
Jan 23, 2019	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2023 · Amount on File
Deed Sale	Dec 5, 2023 · Amount on File
Prior Sale	Jun 22, 2022 · Amount on File
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	164 COTTAGE ST, NATICK, MA 01760-5808
Transaction Type	Mortgage
Record Updated	Feb 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082439-450
Date	Jan 30, 2024
Book Page	82439/450
Instrument	9748

Lender

Name	MORGAN STANLEY PRIVATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Dec 5, 2023
Property Address	164 COTTAGE ST, NATICK, MA 01760-5808
Document Number	082280-446
Book / Page	82280 / 446
Instrument Date	Dec 1, 2023
Instrument	138986
Transaction Type	Transfer
Record Updated	Feb 14, 2024

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
Relationship	Tenants by the Entirety
Address	164 COTTAGE ST, NATICK, MA 01760-5808

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Jun 22, 2022
Property Address	164 COTTAGE ST, NATICK, MA 01760-5808
Document Number	080316-232
Book / Page	80316 / 232
Instrument Date	Jun 22, 2022
Instrument	94206
Transaction Type	Transfer
Record Updated	Feb 14, 2024

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	2 WHITNEY CIR, NATICK, MA 01760-1046

Mortgage

Document Number	0000094208
Date	Jun 22, 2022
Instrument	94208

Lender

Name	MUTUALONE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Jan 23, 2019
Property Address	164 COTTAGE ST, NATICK, MA 01760-5808
Document Number	72151-299
Book / Page	072151 / 000299
Instrument Date	Nov 19, 2018
Instrument	8987
Transaction Type	Transfer
Record Updated	Feb 13, 2019

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	164 COTTAGE ST NATICK MA 017605808, NATICK, MA 01760-5808

Tax Assessment & Valuation

The 2025 property tax bill for 164 Cottage St was $20,013, up 244.4% 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	$20,013.00 (+244.4%)	$1,673,300 (+253.02%) Land $500,400 Building $1,172,900	$1,582,320
2024	$5,811.00 (-30.26%)	$474,000 (-28.09%) Land $474,000
2023	$8,332.00	$659,200 Land $440,200 Building $219,000

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

FEMA maps place 164 Cottage St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1978.

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
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 164 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 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 139 locations within half a mile, as of December 31, 2025

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

May also be available: Astound Broadband, T-Mobile.

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