19 Cottage St, Lexington, MA 02420 Property Records

Middlesex County and Lexington Town property record for 19 Cottage St, Lexington, MA 02420

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 3,863 sqft · built 2021
Lot Size	0.213 acres (9,280 sqft)
Owner	2 Individual Names on File
Last Sale	$2,500,000 (Dec 2021)
Tax Bill	$34,333 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`LEXI M:0048 L:000255`

Property Details

APN / Parcel Number

Primary APN	`LEXI M:0048 L:000255`

Interior

Bedrooms	5 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	3 Stories
Building Area	3,863 sqft Living Area
Gross Area	6,736 sqft
1st Floor Area	1,640 sqft
Attic	Attic
Attic Area	1,085 sqft
Basement Area	1,170 sqft
Finished Basement	768 sqft
Unfinished Basement	117 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,280 sqft (0.213 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	19 COTTAGE ST
City	LEXINGTON
State	MA
Zip	02420-2201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Lot Number	255
Jurisdiction	LEXINGTON MA
Township / Civil Division	LEXINGTON
Census Block Group	2
Census Block	2002
Census Tract	358500

Owner

19 Cottage St is owned and occupied by two individuals who bought it in December 2021.

Source: Middlesex County and Lexington Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	19 COTTAGE ST, LEXINGTON, MA 02420-2201
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
Dec 28, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK OF AMERICA NA
Sep 2, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAMBRIDGE TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2021 · Amount on File
Deed Sale	Dec 28, 2021 · Amount on File
Prior Sale	Sep 2, 2020 · Amount on File
Deed Book / Page	79435 / 122
Record Updated	Oct 29, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LEXINGTON MA
Recording Date	Dec 28, 2021
Property Address	19 COTTAGE ST, LEXINGTON, MA 02420-2201
Document Number	079435-122
Book / Page	79435 / 122
Instrument Date	Dec 28, 2021
Instrument	278588
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	19 COTTAGE ST, LEXINGTON, MA 02420-2201

Mortgage

Document Number	0000278589
Date	Dec 28, 2021
Instrument	278589

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LEXINGTON MA
Recording Date	Sep 2, 2020
Property Address	19 COTTAGE ST, LEXINGTON, MA 02420-2201
Document Number	75515-451
Book / Page	75515 / 451
Instrument Date	Aug 24, 2020
Instrument	152079
Transaction Type	Transfer
Record Updated	Jun 8, 2021

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	7 ALASKA AVE, BEDFORD, MA 01730-1802

Mortgage

Document Number	152081
Date	Sep 2, 2020
Instrument	152081

Lender

Name	CAMBRIDGE TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 19 Cottage St was $34,333, up 4.9% from the year before.

Source: Middlesex County and Lexington Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Lexington Town
Unified School District	Lexington School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$34,333.00 (+4.91%)	$2,789,000 (+4.22%) Land $718,000 Building $2,071,000	$2,876,410 (-)
2025	$32,727.00 (+2.95%)	$2,676,000 (+3.12%) Land $684,000 Building $1,992,000	$2,876,410 (+4.49%)
2024	$31,789.00 (+7.06%)	$2,595,000 (+13.62%) Land $651,000 Building $1,944,000	$2,752,815
2023	$29,692.00	$2,284,000 Land $592,000 Building $1,692,000

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

Flood

FEMA maps place 19 Cottage St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1999.

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	2 in force
Nearby Flood Claims	2 (1999–2001)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2001 · Severe Storms And Flooding

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 19 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 99.1% of the US · lower than 98.7% 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	LEXINGTON WATER DEPT. (MWRA) serves 34,074 people · EPA ID MA3155000
Water Source	Purchased surface water from MWRA
Last State Inspection	Sep 2023
Lead	2 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 249 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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