29 Cottage St, Wellesley, MA 02482 Property Records

Norfolk County and Wellesley Town property record for 29 Cottage St, Wellesley, MA 02482

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,684 sqft · built 1869
Lot Size	0.294 acres (12,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$930,000 (Nov 2018)
Tax Bill	$13,580 (2025)
Deeds & Mortgages	Sep 2024 Line of Credit May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WELL M:125 R:095 S`

Property Details

APN / Parcel Number

Primary APN	`WELL M:125 R:095 S`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,684 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1869
Effective Year Built	Effective 1986
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	12,800 sqft (0.294 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	29 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 August 14, 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	29 COTTAGE ST, WELLESLEY, MA 02482-6948
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2024	Deed of Trust, Mortgage · Line of Credit USA ALLIANCE FEDERAL CREDIT UNION
May 2, 2022	Deed of Trust, Mortgage · ARM USA ALLIANCE FEDERAL CREDIT UNION
Nov 1, 2018	Quit Claim Deed, Transfer GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2018 · Amount on Record
Deed Sale	Nov 1, 2018 · Amount on Record
Prior Sale	Jan 24, 2003 · Amount on Record
Deed Book / Page	36406 / 489
Record Updated	Sep 20, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLESLEY MA
Property Address	29 COTTAGE ST, WELLESLEY, MA 02482-6948
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041984-212
Date	Sep 6, 2024
Book Page	41984/212
Instrument	58628

Lender

Name	USA ALLIANCE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLESLEY MA
Property Address	29 COTTAGE ST, WELLESLEY, MA 02482-6948
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040506-515
Date	May 2, 2022
Book Page	40506/515
Instrument	38352

Lender

Name	USA ALLIANCE FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.13%
Type Change Date	Jun 1, 2032
Index	Other

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WELLESLEY MA
Recording Date	Nov 1, 2018
Property Address	29 COTTAGE ST, WELLESLEY, MA 02482-6948
Document Number	36406-489
Book / Page	36406 / 489
Instrument	98264
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$118.78
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	364060491
Date	Nov 1, 2018
Instrument	36406/0491

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

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
2025	$13,580.00 (+2.72%)	$1,321,000 (+4.02%) Land $1,180,000 Building $141,000	$1,449,415 (+6.82%)
2024	$13,221.00 (+2.73%)	$1,270,000 (+12.99%) Land $1,133,000 Building $137,000	$1,356,885
2023	$12,870.00	$1,124,000 Land $1,011,000 Building $113,000

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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