31 Cottage St, Stoneham, MA 02180 Property Records

Middlesex County and Stoneham Town property record for 31 Cottage St, Stoneham, MA 02180

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,897 sqft · built 1964
Lot Size	0.163 acres (7,122 sqft)
Owner	Individual Name on File
Last Sale	$466,000 (Jul 2019)
Tax Bill	$6,375 (2026)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`STON M:17 B:000 L:435`

Property Details

APN / Parcel Number

Primary APN	`STON M:17 B:000 L:435`
Alternative APN	`3183`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,897 sqft Living Area
Gross Area	2,428 sqft
Basement Area	1,084 sqft
Unfinished Basement	271 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,122 sqft (0.163 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3183
Street Address	31 COTTAGE ST
City	STONEHAM
State	MA
Zip	02180-3531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	435
Jurisdiction	STONEHAM MA
Township / Civil Division	STONEHAM
Census Block Group	4
Census Block	4010
Census Tract	337202

Owner

31 Cottage St is owned and occupied by an individual who bought it in July 2019.

Source: Middlesex County and Stoneham Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	31 COTTAGE ST, STONEHAM, MA 02180-3531
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2019 · Amount on File
Deed Sale	Jul 30, 2019 · Amount on File
Prior Sale	Jul 12, 2011 · Amount on File
Deed Document Number	2019110872
Deed Book / Page	73021 / 372
Prior Transfer Date	Jul 18, 2019
Prior Transfer Doc	73021-372
Record Updated	Oct 29, 2026

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STONEHAM MA
Recording Date	Jul 30, 2019
Property Address	31 COTTAGE ST, STONEHAM, MA 02180-3531
Document Number	73021-372
Book / Page	073021 / 000372
Instrument Date	Jul 18, 2019
Instrument	110872
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,124.96
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 COTTAGE ST STONEHAM MA 021803531, STONEHAM, MA 02180-3531

Mortgage

Document Number	73021-375
Date	Jul 30, 2019
Book Page	073021/000375
Instrument	110873

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 31 Cottage St was $6,375, up 3% from the year before.

Source: Middlesex County and Stoneham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Stoneham Town
Unified School District	Stoneham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,375.00 (+3.04%)	$633,700 (+4.78%) Land $371,200 Building $262,500	$699,865 (-)
2025	$6,187.00 (+3.55%)	$604,800 (+7.2%) Land $352,600 Building $252,200	$699,865 (+3.4%)
2024	$5,975.00 (+2.15%)	$564,200 (+7.08%) Land $324,800 Building $239,400	$676,875
2023	$5,849.00	$526,900 Land $297,000 Building $229,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 31 Cottage St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

The area around 31 Cottage St has no burnable land within ember reach, so its wildfire risk is not rated.

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	STONEHAM WATER DEPT (MWRA SUPPLY) serves 23,244 people · EPA ID MA3284000
Water Source	Purchased surface water from MWRA
Last State Inspection	Nov 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli not recorded as resolved · Sep 2018
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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