172 Cottage St, Athol, MA 01331 Property Records

Worcester County and Athol Town property record for 172 Cottage St, Athol, MA 01331 · Last verified July 2026

Property Summary

Property Type	Duplex
Details	5 bd · 2.5 ba · 1,613 sqft · built 1900
Lot Size	0.273 acres (11,880 sqft)
Owner	2 Individual Names on File
Last Sale	$291,000 (Oct 2023)
Tax Bill	$3,624 (2025)
Deeds & Mortgages	Jan 2025 Mortgage Oct 2023 Sale + 1 more
APN	`ATHO M:00029 B:00115 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ATHO M:00029 B:00115 L:00000`
Alternative APN	`2092`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,613 sqft Living Area
Gross Area	3,739 sqft
Basement Area	1,494 sqft
Unfinished Basement	1,494 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,880 sqft (0.273 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2092
Street Address	172 COTTAGE ST
City	ATHOL
State	MA
Zip	01331-2305
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	115
Jurisdiction	ATHOL MA
Township / Civil Division	ATHOL
Census Block Group	2
Census Block	2017
Census Tract	703100

Owner

Source: Worcester County and Athol Town records · APN ATHO M:00029 B:00115 L:00000

Assessment roll updated April 14, 2026 · Last verified July 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	172 COTTAGE ST, ATHOL, MA 01331-2305
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 16, 2023	Quit Claim Deed, Transfer
Sep 21, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage RFLF 7 LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 16, 2023 · Amount on Record
Deed Sale	Oct 16, 2023 · Amount on Record
Prior Sale	Sep 21, 2022 · Amount on Record
Deed Book / Page	69760 / 360
Transfer Doc	53035-144
Record Updated	Sep 20, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATHOL MA
Property Address	172 COTTAGE ST, ATHOL, MA 01331-2305
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071551-149
Date	Jan 21, 2025
Book Page	71551/149
Instrument	5173

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2055

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Oct 16, 2023
Property Address	172 COTTAGE ST, ATHOL, MA 01331-2305
Document Number	069760-360
Book / Page	69760 / 360
Instrument Date	Oct 12, 2023
Instrument	85835
Transaction Type	Transfer
Record Updated	Nov 03, 2023

Transaction

Amount	Amount Recorded
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	172 COTTAGE ST, ATHOL, MA 01331-2305

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Sep 21, 2022
Property Address	172 COTTAGE ST, ATHOL, MA 01331-2305
Document Number	068247-248
Book / Page	68247 / 248
Instrument Date	Sep 21, 2022
Instrument	103824
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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	140 OAKLAND AVE, METHUEN, MA 01844-3652
Investor	Possibly a Property Investor

Mortgage

Document Number	0000103825
Date	Sep 21, 2022
Instrument	103825

Lender

Name	RFLF 7 LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Athol Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$3,624.00 (+63.1%)	$285,100 (+64.61%) Land $49,800 Building $235,300
2024	$2,222.00 (+1.46%)	$173,200 (+11.03%) Land $49,800 Building $123,400
2023	$2,190.00	$156,000 Land $36,100 Building $119,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277031002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Not included in the FIRM
Special Flood Hazard Area	No
Flood Hazard	Not mapped
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 328 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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