38 Cottage St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 38 Cottage St, Natick, MA 01760

Property Summary

Property Type	Apartments (5+ Units)
Details	10 bd · 10 ba · 5,213 sqft · built 1920
Lot Size	0.897 acres (39,073 sqft)
Owner	Trust Name on File
Last Sale	$249,000 (Mar 1990)
Tax Bill	$11,904 (2025)
Deeds & Mortgages	Jan 2022 Refinance Feb 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`52-00000086`

Property Details

APN / Parcel Number

Primary APN	`52-00000086`
Alternative APN	`NATI M:00000052 P:00000086`

Interior

Bedrooms	10 Beds
Full Baths	10 Baths
Units	4 Units
Stories	3 Stories
Building Area	5,213 sqft Living Area
Gross Area	7,727 sqft
Basement Area	2,514 sqft
Unfinished Basement	2,514 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Brick
Construction Type	Frame
Lot Area	39,073 sqft (0.897 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	52-00000086
Street Address	38 COTTAGE ST
City	NATICK
State	MA
Zip	01760-5841
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Local Zoning Code	RSA
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	2
Census Block	2019
Census Tract	382300

Owner

38 Cottage St, a residential property, is owner-occupied and held in a trust since September 2022.

Source: Middlesex County and Natick Town records, as of April 14, 2026

Owner of Record	Trust Name on File
Mailing Address	38 COTTAGE ST, NATICK, MA 01760-5841
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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

Date	Document
Jan 4, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Feb 2, 2023	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Sep 14, 2022	Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK
Oct 7, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
May 22, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 1990 · Amount on File
Deed Sale	Mar 7, 1990 · Amount on File
Last Transfer Date	Sep 29, 2022
Transfer Doc	080802-588
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	38 COTTAGE ST, NATICK, MA 01760-5841
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079476-365
Date	Jan 4, 2022
Book Page	79476/365
Instrument	202200000981

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2051

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	38 COTTAGE ST, NATICK, MA 01760-5841
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081221-55
Date	Feb 2, 2023
Book Page	81221/55
Instrument	12183

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	38 COTTAGE ST, NATICK, MA 01760-5841
Transaction Type	Mortgage
Record Updated	Sep 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080706-231
Date	Sep 14, 2022
Book Page	80706/231
Instrument	139750

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Oct 7, 2022
Property Address	38 COTTAGE ST, NATICK, MA 01760-5841
Document Number	080802-588
Book / Page	80802 / 588
Instrument Date	Sep 29, 2022
Instrument	151144
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 COTTAGE ST, NATICK, MA 01760-5841

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	38 COTTAGE ST, NATICK, MA 01760-5841
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78673-372
Date	Sep 10, 2021
Book Page	78673/372
Instrument	202509

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	May 22, 2019
Property Address	38 COTTAGE ST, NATICK, MA 01760-5841
Document Number	72641-344
Book / Page	072641 / 000344
Instrument Date	Apr 26, 2019
Instrument	67275
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36-38 COTTAGE ST NATICK MA 017605896, NATICK, MA 01760-5896

Tax Assessment & Valuation

The 2025 property tax bill for 38 Cottage St was $11,904, down 2.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$11,904.00 (-2.44%)	$995,300 (-) Land $515,400 Building $479,900
2024	$12,202.00 (+11.69%)	$995,300 (+15.16%) Land $486,900 Building $508,400
2023	$10,925.00	$864,300 Land $435,300 Building $429,000

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 38 Cottage St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1978.

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	4 in force
Nearby Flood Claims	9 (1978–2023)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Aug 2023 · rainfall accumulation

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

Wildfire risk around 38 Cottage St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	NATICK WATER AND SEWER DIVISION serves 37,006 people · EPA ID MA3198000
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 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 177 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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