187 Cottage St, Athol, MA 01331 Property Records

Worcester County and Athol Town property record for 187 Cottage St, Athol, MA 01331

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,448 sqft · built 1900
Lot Size	0.117 acres (5,090 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Jul 2003)
Tax Bill	$3,555 (2026)
Deeds & Mortgages	Oct 2023 Line of Credit
APN	`ATHO M:00029 B:00106 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ATHO M:00029 B:00106 L:00000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,448 sqft Living Area
Gross Area	6,186 sqft
Basement Area	1,224 sqft
Unfinished Basement	1,224 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	5,090 sqft (0.117 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	187 COTTAGE ST
City	ATHOL
State	MA
Zip	01331-2337
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RA
Legal Block	106
Jurisdiction	ATHOL MA
Township / Civil Division	ATHOL
Census Block Group	2
Census Block	2018
Census Tract	703100

Owner

Source: Worcester County and Athol Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	187 COTTAGE ST, ATHOL, MA 01331-2337
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2003 · Amount on Record
Deed Sale	Jul 8, 2003 · Amount on Record
Deed Document Number	2003178938
Deed Book / Page	30708 / 276
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATHOL MA
Property Address	187 COTTAGE ST, ATHOL, MA 01331-2337
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069711-188
Date	Oct 2, 2023
Book Page	69711/188
Instrument	81853

Lender

Name	EASTHAMPTON SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Worcester County and Athol Town assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,555.00 (+6.31%)	$280,600 (+6.65%) Land $43,300 Building $237,300	$335,348
2025	$3,344.00 (+1.77%)	$263,100 (+2.73%) Land $41,600 Building $221,500
2024	$3,286.00	$256,100 Land $41,600 Building $214,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

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

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ATHOL DPW WATER DIVISION serves 10,587 people · EPA ID MA1015000
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	4 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	None 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 328 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cottage St

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