20 Cottage St, Putnam, CT 06260 Property Records

Putnam Town property record for 20 Cottage St, Putnam, CT 06260

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,645 sqft · built 1930
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on Record
Last Sale	$242,500 (Jun 2006)
Tax Bill	$4,867 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:004 B:071 L:00`

Property Details

APN / Parcel Number

Primary APN	`M:004 B:071 L:00`
Alternative APNs	`PUTN M:006 L:018 U:000` `696`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,645 sqft Living Area
Gross Area	3,530 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,394 sqft (0.56 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	696
Street Address	20 COTTAGE ST
City	PUTNAM
State	CT
Zip	06260-1002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-10
Legal Lot Number	18
Jurisdiction	PUTNAM CT
Township / Civil Division	PUTNAM
Census Block Group	3
Census Block	3000
Census Tract	903101

Owner

Source: Putnam Town records, as of June 25, 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	20 COTTAGE ST, PUTNAM, CT 06260-1002
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2026	Deed of Trust, Mortgage SOUTHBRIDGE CU
Sep 10, 2024	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2006 · Amount on Record
Deed Sale	Jun 2, 2006 · Amount on Record
Prior Sale	Jun 24, 2002 · Amount on Record
Deed Book / Page	560 / 139
Last Transfer Date	Sep 9, 2024
Transfer Doc	000865-617
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PUTNAM CT
Property Address	20 COTTAGE ST, PUTNAM, CT 06260-1002
Transaction Type	Mortgage
Record Updated	May 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000876-259
Date	Mar 11, 2026
Book Page	876/259
Instrument	315

Lender

Name	SOUTHBRIDGE CU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

September 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PUTNAM CT
Recording Date	Sep 10, 2024
Property Address	20 COTTAGE ST, PUTNAM, CT 06260-1002
Document Number	000865-617
Book / Page	865 / 617
Instrument Date	Sep 9, 2024
Instrument	1249
Transaction Type	Transfer
Record Updated	Sep 26, 2024

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
Relationship	Joint Tenants

Tax Assessment & Valuation

Source: Putnam Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Putnam Town
Unified School District	Putnam School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,867.00	$192,000 (+65.52%) Land $32,300 Building $159,700	$134,400 Land $22,610 Building $111,790
2024	$4,867.00 (+31.97%)
2023	$3,688.00 (+3.6%)	$116,000 (-) Land $25,900 Building $90,100
2022	$3,560.00	$116,000 Land $25,900 Building $90,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 13, 2023

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 95% of the US · lower than 92% of Connecticut
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PUTNAM WATER POLLUTION CONTROL AUTHORITY serves 7,300 people · EPA ID CT1160011
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	3 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	20 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	2,000 / 2,000
Breezeline Cable	1,000 / 50

May also be available: Frontier, Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

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