Norfolk County and Wellesley Town property record for 45 Cottage St, Wellesley, MA 02482
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,544 sqft · built 1904 |
| Lot Size | 0.453 acres (19,727 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,755,000 (Sep 2004) |
| Tax Bill | $24,045 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | WELL M:125 R:090 S |
| Primary APN | WELL M:125 R:090 S |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,544 sqft Living Area |
| Basement Area | 288 sqft |
| Unfinished Basement | 288 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1904 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Lot Area | 19,727 sqft (0.453 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 45 COTTAGE ST |
|---|---|
| City | WELLESLEY |
| State | MA |
| Zip | 02482-6948 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR10 |
| Jurisdiction | WELLESLEY MA |
| Township / Civil Division | WELLESLEY |
| Census Block Group | 5 |
| Census Block | 5014 |
| Census Tract | 404400 |
Source: Norfolk County and Wellesley Town assessment roll, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 COTTAGE ST, WELLESLEY, MA 02482-6948 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 30, 2004 · Amount on Record |
| Deed Sale | Sep 30, 2004 · Amount on Record |
| Prior Sale | Aug 28, 1998 · Amount on Record |
| Deed Document Number | 200411501 |
| Deed Book / Page | 21599 / 370 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WELLESLEY MA |
| Property Address | 45 COTTAGE ST, WELLESLEY, MA 02482-6948 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 040167-339 |
|---|---|
| Date | Dec 16, 2021 |
| Book Page | 40167/339 |
| Instrument | 157273 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jan 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Norfolk County and Wellesley Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Norfolk County |
| County Subdivision | Wellesley Town |
| Unified School District | Wellesley School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $24,045.00 (+2.16%) | $2,339,000 (+3.45%) Land $1,398,000 Building $941,000 | $2,757,945 (+4.83%) |
| 2024 | $23,537.00 (+0.91%) | $2,261,000 (+11%) Land $1,342,000 Building $919,000 | $2,630,930 |
| 2023 | $23,324.00 | $2,037,000 Land $1,197,000 Building $840,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 6 (1979–2019) |
| Claims Outside the SFHA | 5 of 6 |
| Most Recent Claim | Aug 2019 · other causes |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WELLESLEY WATER DIVISION serves 29,550 people · EPA ID MA3317000 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2025 |
| Lead | 4 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 278 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
May also be available: T-Mobile.
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