281 Cottage St, Athol, MA 01331 Property Records

Worcester County and Athol Town property record for 281 Cottage St, Athol, MA 01331

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 605 sqft · built 1925
Lot Size	0.106 acres (4,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (May 2023)
Tax Bill	$2,354 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage Nov 2020 Sale & Mortgage
APN	`ATHO M:00029 B:00084 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ATHO M:00029 B:00084 L:00000`
Alternative APN	`2068`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	605 sqft Living Area
Gross Area	1,598 sqft
Basement Area	465 sqft
Unfinished Basement	465 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,600 sqft (0.106 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	2068
Street Address	281 COTTAGE ST
City	ATHOL
State	MA
Zip	01331-2903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	G
Legal Block	84
Jurisdiction	ATHOL MA
Township / Civil Division	ATHOL
Census Block Group	2
Census Block	2022
Census Tract	703100

Owner

Source: Worcester County and Athol 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 Individual Names on Record
Mailing Address	281 COTTAGE ST, ATHOL, MA 01331-2903
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 16, 2023	Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Nov 24, 2020	Quit Claim Deed, Transfer · VA Mortgage FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2023 · Amount on Record
Deed Sale	May 16, 2023 · Amount on Record
Prior Sale	Nov 24, 2020 · Amount on Record
Deed Document Number	202337377
Deed Book / Page	69135 / 283
Prior Transfer Date	May 15, 2023
Prior Transfer Doc	069135-283
Record Updated	Oct 29, 2026

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	May 16, 2023
Property Address	281 COTTAGE ST, ATHOL, MA 01331-2903
Document Number	069135-283
Book / Page	69135 / 283
Instrument Date	May 15, 2023
Instrument	37377
Transaction Type	Transfer
Record Updated	Jun 2, 2023

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
Relationship	Tenants by the Entirety
Address	281 COTTAGE ST, ATHOL, MA 01331-2903

Mortgage

Document Number	0000037378
Date	May 16, 2023
Instrument	37378

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Nov 24, 2020
Property Address	281 COTTAGE ST, ATHOL, MA 01331-2903
Document Number	63825-339
Book / Page	63825 / 339
Instrument Date	Nov 17, 2020
Instrument	144571
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	10 COTTAGE ST, ATHOL, MA 01331-2304

Mortgage

Document Number	144572
Date	Nov 24, 2020
Instrument	144572

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Athol Town
Unified School District	Athol-Royalston School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,354.00 (+5.89%)	$185,800 (+6.23%) Land $46,500 Building $139,300	$237,405 (-)
2025	$2,223.00 (+3.49%)	$174,900 (+4.48%) Land $44,700 Building $130,200	$237,405 (-0.72%)
2024	$2,148.00 (+6.07%)	$167,400 (+16.09%) Land $44,700 Building $122,700	$239,115
2023	$2,025.00	$144,200 Land $32,400 Building $111,800

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

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ATHOL DPW WATER DIVISION serves 10,587 people · EPA ID MA1015000
Water Source	Groundwater
Last State Inspection	Apr 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	None 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 302 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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