187 Cottage St, Fall River, MA 02721 Property Records

Bristol County and Fall River City property record for 187 Cottage St, Fall River, MA 02721

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 3,024 sqft · built 1900
Lot Size	0.088 acres (3,851 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Apr 2019)
Tax Bill	$5,020 (2025)
Deeds & Mortgages	Apr 2024 Refinance Oct 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`FALL M:0G-07 B:0000 L:0002`

Property Details

APN / Parcel Number

Primary APN	`FALL M:0G-07 B:0000 L:0002`
Alternative APN	`M:0G=07 B:0000 L:0002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,024 sqft Living Area
Gross Area	3,340 sqft
Basement Area	1,080 sqft
Unfinished Basement	216 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	3,851 sqft (0.088 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	187 COTTAGE ST
City	FALL RIVER
State	MA
Zip	02721-1797
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	N/A
Legal Lot Number	2
Jurisdiction	FALL RIVER MA
Township / Civil Division	FALL RIVER
Census Block Group	2
Census Block	2003
Census Tract	640901

Owner

Source: Bristol County and Fall River City 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	2 Individual Names on Record
Mailing Address	187 COTTAGE ST, FALL RIVER, MA 02721-1797
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance FALL RIVER MUNICIPAL EMPLS CREDIT UNION
Oct 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FALL RIVER MUNICIPAL EMPLS CREDIT UNION
Apr 11, 2019	Quit Claim Deed, Transfer · FHA Mortgage BAYCOAST MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2019 · Amount on Record
Deed Sale	Apr 11, 2019 · Amount on Record
Deed Document Number	20195375
Deed Book / Page	9743 / 326
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FALL RIVER MA
Property Address	187 COTTAGE ST, FALL RIVER, MA 02721-1797
Transaction Type	Mortgage
Record Updated	Apr 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	011496-188
Date	Apr 8, 2024
Book Page	11496/188
Instrument	4184

Lender

Name	FALL RIVER MUNICIPAL EMPLS CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2039

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FALL RIVER MA
Property Address	187 COTTAGE ST, FALL RIVER, MA 02721-1797
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	10272-238
Date	Oct 9, 2020
Book Page	10272/238
Instrument	18478

Lender

Name	FALL RIVER MUNICIPAL EMPLS CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FALL RIVER MA
Recording Date	Apr 11, 2019
Property Address	187 COTTAGE ST, FALL RIVER, MA 02721-1797
Document Number	9743-326
Book / Page	9743 / 326
Instrument Date	Apr 11, 2019
Instrument	5375
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	187 COTTAGE ST, FALL RIVER, MA 02721-1797

Mortgage

Document Number	5376
Date	Apr 11, 2019
Instrument	5376

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Bristol County and Fall River City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Bristol County
Municipality	Fall River City
Unified School District	Fall River School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,020.00 (+9.65%)	$438,400 (+10.04%) Land $106,300 Building $332,100	$498,021
2024	$4,578.00 (+10.47%)	$398,400 (+17.97%) Land $102,300 Building $296,100
2023	$4,144.00	$337,700 Land $84,600 Building $253,100

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 June 22, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land within 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	FALL RIVER WATER DEPARTMENT serves 94,000 people · EPA ID MA4095000
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	12 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	2 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 945 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

Nearby Properties on Cottage St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures