399 Cottage St, Athol, MA 01331 Property Records

Worcester County and Athol Town property record for 399 Cottage St, Athol, MA 01331

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,559 sqft · built 1900
Lot Size	0.893 acres (38,900 sqft)
Owner	Individual Name on Record
Last Sale	$289,900 (Mar 2022)
Tax Bill	$3,677 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Sep 2021 Sale & Mortgage
APN	`ATHO M:00029 B:00074 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ATHO M:00029 B:00074 L:00000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,559 sqft Living Area
Gross Area	2,505 sqft
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	38,900 sqft (0.893 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	399 COTTAGE ST
City	ATHOL
State	MA
Zip	01331-2903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	74
Jurisdiction	ATHOL MA
Township / Civil Division	ATHOL
Census Block Group	2
Census Block	2025
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	Individual Name on Record
Mailing Address	399 COTTAGE ST, ATHOL, MA 01331-2903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2022	Quit Claim Deed, Transfer · FHA Mortgage E MORTGAGE MANAGEMENT LLC
Sep 1, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage RESOURCE CAPITAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2022 · Amount on Record
Deed Sale	Mar 25, 2022 · Amount on Record
Prior Sale	Sep 1, 2021 · Amount on Record
Deed Document Number	202233536
Deed Book / Page	67329 / 204
Record Updated	Oct 29, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Mar 25, 2022
Property Address	399 COTTAGE ST, ATHOL, MA 01331-2903
Document Number	067329-204
Book / Page	67329 / 204
Instrument Date	Mar 25, 2022
Instrument	33536
Transaction Type	Transfer
Record Updated	Apr 8, 2022

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	399 COTTAGE ST, ATHOL, MA 01331-2903

Mortgage

Document Number	0000033537
Date	Mar 25, 2022
Instrument	33537

Lender

Name	E MORTGAGE MANAGEMENT LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Sep 1, 2021
Property Address	399 COTTAGE ST, ATHOL, MA 01331-2903
Document Number	65972-248
Book / Page	65972 / 248
Instrument Date	Aug 31, 2021
Instrument	123349
Transaction Type	Transfer
Record Updated	Sep 17, 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	913 NORTHFIELD RD, LUNENBURG, MA 01462-1036

Mortgage

Document Number	123350
Date	Sep 1, 2021
Instrument	123350

Lender

Name	RESOURCE CAPITAL LLC

Agreement

Type	Stand-Alone First 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	$3,677.00 (+1.57%)	$290,200 (+1.9%) Land $63,500 Building $226,700	$296,685 (-)
2025	$3,620.00 (+9.53%)	$284,800 (+10.56%) Land $61,100 Building $223,700	$296,685 (-5.16%)
2024	$3,305.00 (+3.96%)	$257,600 (+13.78%) Land $61,100 Building $196,500	$312,835
2023	$3,179.00	$226,400 Land $44,400 Building $182,000

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 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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