41 Cottage St, Stoneham, MA 02180 Property Records

Middlesex County and Stoneham Town property record for 41 Cottage St, Stoneham, MA 02180

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,184 sqft · built 1934
Lot Size	0.144 acres (6,281 sqft)
Owner	Individual Name on File
Last Sale	$565,000 (Jan 2021)
Tax Bill	$6,484 (2026)
Deeds & Mortgages	Apr 2017 Mortgage May 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`STON M:17 B:000 L:430`

Property Details

APN / Parcel Number

Primary APN	`STON M:17 B:000 L:430`
Alternative APN	`3178`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,184 sqft Living Area
Gross Area	3,772 sqft
Basement Area	1,040 sqft
Unfinished Basement	208 sqft

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Architectural Style	Bungalow
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,281 sqft (0.144 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	3178
Street Address	41 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	430
Jurisdiction	STONEHAM MA
Township / Civil Division	STONEHAM
Census Block Group	4
Census Block	4010
Census Tract	337202

Owner

41 Cottage St is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	41 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

Date	Document
Apr 27, 2017	Deed of Trust, Mortgage · Closed-End Mortgage STONEHAM COOPERATIVE BANK
May 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance STONEHAM COOPERATIVE BANK
Jan 26, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK OF RHODE ISLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2021 · Amount on File
Deed Sale	Jan 26, 2021 · Amount on File
Deed Document Number	202118033
Deed Book / Page	76789 / 125
Prior Transfer Date	Jan 15, 2021
Prior Transfer Doc	76789-125
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONEHAM MA
Property Address	41 COTTAGE ST, STONEHAM, MA 02180-3531
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69196-502
Date	Apr 27, 2017
Book Page	69196/502
Instrument	61175

Lender

Name	STONEHAM COOPERATIVE BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2037

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONEHAM MA
Property Address	41 COTTAGE ST, STONEHAM, MA 02180-3531
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72623-431
Date	May 20, 2019
Book Page	72623/431
Instrument	65246

Lender

Name	STONEHAM COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STONEHAM MA
Recording Date	Jan 26, 2021
Property Address	41 COTTAGE ST, STONEHAM, MA 02180-3531
Document Number	76789-125
Book / Page	76789 / 125
Instrument Date	Jan 15, 2021
Instrument	18033
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Address	41 COTTAGE ST, STONEHAM, MA 02180-3531

Mortgage

Document Number	18034
Date	Jan 26, 2021
Instrument	18034

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 41 Cottage St was $6,484, up 3.1% 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	$6,484.00 (+3.1%)	$644,500 (+4.83%) Land $344,700 Building $299,800	$760,950 (-)
2025	$6,289.00 (+1.9%)	$614,800 (+5.49%) Land $327,400 Building $287,400	$760,950 (+3.12%)
2024	$6,172.00 (-0.16%)	$582,800 (+4.65%) Land $301,600 Building $281,200	$737,960
2023	$6,182.00	$556,900 Land $275,700 Building $281,200

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

Flood

FEMA maps place 41 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 41 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.

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