25 Cottage St, Wellesley, MA 02482 Property Records

Norfolk County and Wellesley Town property record for 25 Cottage St, Wellesley, MA 02482

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,191 sqft · built 1869
Lot Size	0.294 acres (12,800 sqft)
Owner	2 Company Names on Record
Last Sale	$180,000 (Feb 1993)
Tax Bill	$15,550 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit May 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WELL M:125 R:096 S`

Property Details

APN / Parcel Number

Primary APN	`WELL M:125 R:096 S`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,191 sqft Living Area
Basement Area	120 sqft
Unfinished Basement	120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1869
Effective Year Built	Effective 1869
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	12,800 sqft (0.294 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	25 COTTAGE ST
City	WELLESLEY
State	MA
Zip	02482-6948
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR10
Jurisdiction	WELLESLEY MA
Township / Civil Division	WELLESLEY
Census Block Group	5
Census Block	5014
Census Tract	404400

Owner

Source: Norfolk County and Wellesley 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	2 Company Names on Record
Mailing Address	25 COTTAGE ST, WELLESLEY, MA 02482-6948
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
May 1, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Dec 20, 2017	Quit Claim Deed, Transfer · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 1993 · Amount on Record
Deed Sale	Feb 24, 1993 · Amount on Record
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLESLEY MA
Recording Date	Apr 21, 2026
Property Address	25 COTTAGE ST, WELLESLEY, MA 02482-6948
Document Number	043055-230
Book / Page	43055 / 230
Instrument Date	Apr 9, 2026
Instrument	202624806
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024806,
Date	Apr 21, 2026
Book Page	43055/230
Instrument	202624806

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Max Rate	-1%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLESLEY MA
Property Address	25 COTTAGE ST, WELLESLEY, MA 02482-6948
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35951-383
Date	May 1, 2018
Book Page	35951/383
Instrument	33965

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WELLESLEY MA
Recording Date	Dec 20, 2017
Property Address	25 COTTAGE ST, WELLESLEY, MA 02482-6948
Document Number	35687-413
Book / Page	035687 / 000413
Instrument Date	Dec 15, 2017
Instrument	121411
Transaction Type	Transfer
Record Updated	Jan 12, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	25 COTTAGE ST WELLESLEY MA 024826948, WELLESLEY, MA 02482-6948

Mortgage

Document Number	35687-417
Date	Dec 20, 2017
Book Page	035687/000417
Instrument	121413

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2047

Tax Assessment & Valuation

Source: Norfolk County and Wellesley Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Wellesley Town
Unified School District	Wellesley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$15,550.00 (+6.15%)	$1,529,000 (+7.3%) Land $1,255,000 Building $274,000	$1,801,921 (-8.28%)
2025	$14,649.00 (+2.64%)	$1,425,000 (+3.94%) Land $1,180,000 Building $245,000	$1,964,505 (+9.24%)
2024	$14,272.00 (-0.44%)	$1,371,000 (+9.5%) Land $1,133,000 Building $238,000	$1,798,350
2023	$14,335.00	$1,252,000 Land $1,011,000 Building $241,000

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 May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1979–2019)
Claims Outside the SFHA	5 of 6
Most Recent Claim	Aug 2019 · other causes

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	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	WELLESLEY WATER DIVISION serves 29,550 people · EPA ID MA3317000
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 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	1 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 278 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile.

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