40 Cottage St, Lexington, MA 02420 Property Records

Middlesex County and Lexington Town property record for 40 Cottage St, Lexington, MA 02420

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,848 sqft · built 1880
Lot Size	0.165 acres (7,193 sqft)
Owner	2 Individual Names on File
Last Sale	$1,400,000 (Jul 2021)
Tax Bill	$16,397 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Apr 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`LEXI M:0048 L:000266`

Property Details

APN / Parcel Number

Primary APN	`LEXI M:0048 L:000266`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	2,848 sqft Living Area
Gross Area	4,234 sqft
1st Floor Area	1,286 sqft
Basement Area	606 sqft
Unfinished Basement	606 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,193 sqft (0.165 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	40 COTTAGE ST
City	LEXINGTON
State	MA
Zip	02420-2202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RO
Legal Lot Number	266
Jurisdiction	LEXINGTON MA
Township / Civil Division	LEXINGTON
Census Block Group	2
Census Block	2001
Census Tract	358500

Owner

40 Cottage St is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	40 COTTAGE ST, LEXINGTON, MA 02420-2202
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

Date	Document
Jul 1, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Apr 27, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2021 · Amount on File
Deed Sale	Jul 1, 2021 · Amount on File
Prior Sale	Dec 17, 2014 · Amount on File
Deed Book / Page	78162 / 404
Record Updated	Oct 29, 2026

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LEXINGTON MA
Recording Date	Jul 1, 2021
Property Address	40 COTTAGE ST, LEXINGTON, MA 02420-2202
Document Number	078162-404
Book / Page	78162 / 404
Instrument Date	Jul 1, 2021
Instrument	150199
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	40 COTTAGE ST, LEXINGTON, MA 02420-2202

Mortgage

Document Number	0000150200
Date	Jul 1, 2021
Instrument	150200

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LEXINGTON MA
Recording Date	Apr 27, 2020
Property Address	40 COTTAGE ST, LEXINGTON, MA 02420-2202
Document Number	074543-587
Book / Page	74543 / 587
Instrument Date	Apr 22, 2020
Instrument	61595
Transaction Type	Transfer
Record Updated	Nov 16, 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	40 COTTAGE ST, LEXINGTON, MA 02420-2202

Tax Assessment & Valuation

The 2026 property tax bill for 40 Cottage St was $16,397, up 5.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$16,397.00 (+5.16%)	$1,332,000 (+4.47%) Land $681,000 Building $651,000	$1,717,885 (-)
2025	$15,593.00 (+3.82%)	$1,275,000 (+4%) Land $649,000 Building $626,000	$1,717,885 (+4.73%)
2024	$15,019.00 (+3.15%)	$1,226,000 (+9.46%) Land $618,000 Building $608,000	$1,640,270
2023	$14,560.00	$1,120,000 Land $562,000 Building $558,000

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

Flood

FEMA maps place 40 Cottage St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1999.

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
Nearby Flood Claims	2 (1999–2001)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2001 · Severe Storms And Flooding

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 40 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 99.1% of the US · lower than 98.7% 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	LEXINGTON WATER DEPT. (MWRA) serves 34,074 people · EPA ID MA3155000
Water Source	Purchased surface water from MWRA
Last State Inspection	Sep 2023
Lead	2 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	2 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 249 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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