292 Cottage St, Athol, MA 01331 Property Records

Worcester County and Athol Town property record for 292 Cottage St, Athol, MA 01331

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,068 sqft · built 1920
Lot Size	0.138 acres (5,994 sqft)
Owner	Individual Name on Record
Last Sale	$242,000 (Mar 2022)
Tax Bill	$3,760 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2022 Sale & Mortgage + 3 more
APN	`ATHO M:00029 B:00132 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ATHO M:00029 B:00132 L:00000`
Alternative APN	`4822`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,068 sqft Living Area
Gross Area	3,612 sqft
Basement Area	1,646 sqft
Unfinished Basement	1,646 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,994 sqft (0.138 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	4822
Street Address	292 COTTAGE ST
City	ATHOL
State	MA
Zip	01331-2950
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	132
Jurisdiction	ATHOL MA
Township / Civil Division	ATHOL
Census Block Group	2
Census Block	2023
Census Tract	703100

Owner

Source: Worcester County and Athol Town records, as of July 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	292 COTTAGE ST, ATHOL, MA 01331-2950
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Deed of Trust, Mortgage · FHA Mortgage OCMBC INC
Mar 30, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FIRST FEDERAL BANK
Aug 13, 2019	Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jan 30, 2018	Quit Claim Deed, Transfer
Apr 19, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2022 · Amount on Record
Deed Sale	Mar 30, 2022 · Amount on Record
Prior Sale	Aug 13, 2019 · Amount on Record
Deed Book / Page	67356 / 135
Transfer Doc	58379-96
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATHOL MA
Property Address	292 COTTAGE ST, ATHOL, MA 01331-2950
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065328-177
Date	Jun 7, 2021
Book Page	65328/177
Instrument	78293

Lender

Name	OCMBC INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Mar 30, 2022
Property Address	292 COTTAGE ST, ATHOL, MA 01331-2950
Document Number	067356-135
Book / Page	67356 / 135
Instrument Date	Mar 30, 2022
Instrument	35405
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Address	292 COTTAGE ST, ATHOL, MA 01331-2950
Investor	Possibly a Property Investor

Mortgage

Document Number	0000035406
Date	Mar 30, 2022
Instrument	35406

Lender

Name	FIRST FEDERAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Aug 13, 2019
Property Address	292 COTTAGE ST, ATHOL, MA 01331-2950
Document Number	60870-216
Book / Page	60870 / 216
Instrument Date	Aug 13, 2019
Instrument	80542
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	292 COTTAGE ST, ATHOL, MA 01331-2950

Mortgage

Document Number	80543
Date	Aug 13, 2019
Instrument	80543

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Jan 30, 2018
Property Address	292 COTTAGE ST, ATHOL, MA 01331-2950
Document Number	58379-96
Book / Page	058379 / 000096
Instrument Date	Jan 25, 2018
Instrument	9641
Transaction Type	Transfer
Record Updated	Feb 20, 2018

Transaction

Amount	Amount Recorded
Tax	$198.36
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60 HOLMES RD ORANGE MA 013649577, ORANGE, MA 01364-9577

April 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	ATHOL MA
Recording Date	Apr 19, 2017
Property Address	292 COTTAGE ST, ATHOL, MA 01331-2950
Document Number	56994-308
Book / Page	056994 / 000308
Instrument Date	Apr 18, 2017
Instrument	38828
Transaction Type	Foreclosure
Record Updated	May 9, 2017

Transaction

Amount	Amount Recorded
Tax	$487.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	55 BEATTIE PL #110 GREENVILLE SC 296015115, 110, GREENVILLE, SC 29601-5115

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
2025	$3,760.00 (+5.26%)	$295,800 (+6.25%) Land $46,800 Building $249,000	$300,580 (+4.49%)
2024	$3,572.00 (+1.13%)	$278,400 (+10.65%) Land $46,800 Building $231,600	$287,660
2023	$3,532.00	$251,600 Land $33,900 Building $217,700

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

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