43 Cottage St, Edgartown, MA 02539 Property Records

Dukes County and Edgartown Town property record for 43 Cottage St, Edgartown, MA 02539

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,112 sqft · built 1945
Lot Size	0.17 acres (7,400 sqft)
Owner	2 Company Names on Record
Last Sale	$2,700,000 (Dec 2025)
Tax Bill	$5,781 (2026)
Deeds & Mortgages	Dec 2025 Sale Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S5170`

Property Details

APN / Parcel Number

Primary APN	`S5170`
Alternative APN	`EDGA M:020B B:0031 L`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,112 sqft Living Area
Gross Area	2,388 sqft
Basement Area	1,112 sqft
Unfinished Basement	1,112 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Bungalow
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	7,400 sqft (0.17 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	S5170
Street Address	43 COTTAGE ST
City	EDGARTOWN
State	MA
Zip	02539-8019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Block	31
Jurisdiction	EDGARTOWN MA
Township / Civil Division	EDGARTOWN
Census Block Group	2
Census Block	2004
Census Tract	200300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Edgartown Village Historic District listed 1983 · 423 contributing resources · NRIS 83003967

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Dukes County and Edgartown 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	2 Company Names on Record
Mailing Address	43 COTTAGE ST, EDGARTOWN, MA 02539-8019
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Quit Claim Deed, Transfer
Dec 14, 2021	Deed of Trust, Mortgage · ARM UBS BANK USA
Feb 19, 2019	Quit Claim Deed, Transfer Quitclaim
Dec 26, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2025 · Amount on Record
Deed Sale	Dec 19, 2025 · Amount on Record
Prior Sale	May 13, 2016
Deed Book / Page	1725 / 1082
Prior Transfer Date	Dec 15, 2025
Prior Transfer Doc	01725-1082
Record Updated	Oct 29, 2026

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EDGARTOWN MA
Recording Date	Dec 19, 2025
Property Address	43 COTTAGE ST, EDGARTOWN, MA 02539-8019
Document Number	01725-1082
Book / Page	1725 / 1082
Instrument Date	Dec 15, 2025
Instrument	6190
Transaction Type	Transfer
Record Updated	Jan 7, 2026

Transaction

Amount	Amount Recorded
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

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EDGARTOWN MA
Property Address	43 COTTAGE ST, EDGARTOWN, MA 02539-8019
Transaction Type	Mortgage
Record Updated	Dec 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001607-75
Date	Dec 14, 2021
Book Page	1607/75
Instrument	9957

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	3.13%
Type Change Date	Jan 1, 2032
Index	Other
Margin	3

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EDGARTOWN MA
Recording Date	Feb 19, 2019
Property Address	43 COTTAGE ST, EDGARTOWN, MA 02539-8019
Document Number	1489-197
Book / Page	001489 / 000197
Instrument Date	Feb 14, 2019
Instrument	910
Transaction Type	Transfer
Record Updated	Mar 5, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1001 BAY RD #209C VERO BEACH FL 329634311, 209C, VERO BEACH, FL 32963-4311

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	EDGARTOWN MA
Recording Date	Dec 26, 2018
Property Address	43 COTTAGE ST, EDGARTOWN, MA 02539-8019
Document Number	1484-1046
Book / Page	001484 / 001046
Instrument Date	Dec 26, 2018
Instrument	7418
Transaction Type	Transfer
Record Updated	Jan 15, 2019

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1001 BAY RD #209C VERO BEACH FL 329634311, 209C, VERO BEACH, FL 32963-4311

Tax Assessment & Valuation

Source: Dukes County and Edgartown Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Dukes County
County Subdivision	Edgartown Town
Secondary School District	Martha's Vineyard School District (09 - 12)
Elementary School District	Edgartown School District (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,781.00 (+11.62%)	$2,331,200 (+19.28%) Land $1,813,000 Building $518,200	$2,894,446
2025	$5,179.00 (+3.91%)	$1,954,400 (-) Land $1,657,700 Building $296,700
2024	$4,984.00 (-0.78%)	$1,954,400 (-1.95%) Land $1,657,700 Building $296,700
2023	$5,023.00	$1,993,300 Land $1,684,000 Building $309,300

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 February 7, 2025 · 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
Flood Insurance Cost	Premium on Record median of 221 individual policies
Nearby Flood Policies	311 units insured incl. 90 condo units
Nearby Flood Claims	40 (1978–2024)
Claims Outside the SFHA	4 of 40
Most Recent Claim	Jan 2024 · tidal / storm surge
Claims by Event	Coastal Storm, Oct 1991 · 12 claims Hurricane Bob, Aug 1991 · 7 claims Coastal Storms, Flood, Ice & Snow, Feb 1978 · 6 claims

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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	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	EDGARTOWN WATER DEPARTMENT serves 8,027 people · EPA ID MA4089000
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	6 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 214 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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