172 Cottage St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 172 Cottage St, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,020 sqft · built 1851
Lot Size	3.66 acres (159,430 sqft)
Owner	2 Trust Names on File
Last Sale	$422,000 (Nov 2000)
Tax Bill	$12,639 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Nov 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`67-0000024A`

Property Details

APN / Parcel Number

Primary APN	`67-0000024A`
Alternative APN	`NATI M:00000067 P:0000024A`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,020 sqft Living Area
1st Floor Area	743 sqft
Basement Area	309 sqft
Unfinished Basement	309 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1851
Effective Year Built	Effective 2004
Architectural Style	Other
Exterior Material	Wood Siding
Lot Area	159,430 sqft (3.66 acres)
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	67-0000024A
Street Address	172 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

172 Cottage St is owner-occupied and held in a trust since October 2021.

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

Owner of Record	2 Trust Names on File
Mailing Address	172 COTTAGE ST, NATICK, MA 01760-5808
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Oct 9, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Nov 2, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2000 · Amount on File
Deed Sale	Nov 1, 2000 · Amount on File
Last Transfer Date	Oct 13, 2021
Transfer Doc	79053-588
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	172 COTTAGE ST, NATICK, MA 01760-5808
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084715-473
Date	Oct 9, 2025
Book Page	84715/473
Instrument	122578

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Nov 2, 2021
Property Address	172 COTTAGE ST, NATICK, MA 01760-5808
Document Number	79053-588
Book / Page	79053 / 588
Instrument Date	Oct 13, 2021
Instrument	240058
Transaction Type	Transfer
Record Updated	Nov 19, 2021

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	172 COTTAGE ST, NATICK, MA 01760-5808

Tax Assessment & Valuation

The 2025 property tax bill for 172 Cottage St was $12,639, up 25.5% 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	$12,639.00 (+25.47%)	$1,056,800 (+28.63%) Land $698,500 Building $358,300	$1,116,725
2024	$10,073.00 (-3.93%)	$821,600 (-0.95%) Land $664,000 Building $157,600
2023	$10,485.00	$829,500 Land $658,600 Building $170,900

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

Flood

FEMA maps place 172 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 172 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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