20 Cottage Rd, Dudley, MA 01571 Property Records

Worcester County and Dudley Town property record for 20 Cottage Rd, Dudley, MA 01571

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,337 sqft · built 2007
Lot Size	1.58 acres (68,825 sqft)
Owner	Individual Name on Record
Tax Bill	$6,227 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`DUDL M:204 L:008`

Property Details

APN / Parcel Number

Primary APN	`DUDL M:204 L:008`
Alternative APN	`M:005 B:E=3 L:137=004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,337 sqft Living Area
Gross Area	5,944 sqft
Basement Area	2,107 sqft
Unfinished Basement	2,107 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	68,825 sqft (1.58 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 COTTAGE RD
City	DUDLEY
State	MA
Zip	01571-5764
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R43
Legal Lot Number	8
Jurisdiction	DUDLEY MA
Township / Civil Division	DUDLEY
Census Block Group	2
Census Block	2000
Census Tract	755202

Owner

Source: Worcester County and Dudley 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	20 COTTAGE RD, DUDLEY, MA 01571-5764
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · ARM WEBSTER FIRST FEDERAL CREDIT UNION
Mar 20, 2020	Deed of Trust, Mortgage · Balloon Mortgage WEBSTER FIRST FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUDLEY MA
Property Address	20 COTTAGE RD, DUDLEY, MA 01571-5764
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64703-197
Date	Mar 17, 2021
Book Page	64703/197
Instrument	36845

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Apr 1, 2028
Index	Other

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DUDLEY MA
Property Address	20 COTTAGE RD, DUDLEY, MA 01571-5764
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62072-173
Date	Mar 20, 2020
Book Page	62072/173
Instrument	28915

Lender

Name	WEBSTER FIRST FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Dudley Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Dudley Town
Unified School District	Dudley-Charlton Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,227.00 (+10,108.2%)	$619,000 (+7.02%) Land $101,500 Building $517,500	$593,860 (-0.54%)
2025	$61.00 (-98.95%)	$578,400 (+4.03%) Land $87,000 Building $491,400	$597,075
2024	$5,827.00 (+15.32%)	$556,000 (+11.8%) Land $87,000 Building $469,000
2023	$5,053.00	$497,300 Land $76,100 Building $421,200

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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