46 Cottage St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 46 Cottage St, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,771 sqft · built 1860
Lot Size	1.41 acres (61,420 sqft)
Owner	2 Company Names on Record
Last Sale	$623,000 (Mar 2019)
Tax Bill	$9,731 (2025)
Deeds & Mortgages	Feb 2021 Refinance May 2021 Transfer + 6 more
Flood Zone	Zone X (minimal risk)
APN	`52-00000089`

Property Details

APN / Parcel Number

Primary APN	`52-00000089`
Alternative APN	`NATI M:00000052 P:00000089`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,771 sqft Living Area
1st Floor Area	628 sqft
Basement Area	492 sqft
Unfinished Basement	492 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1947
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	61,420 sqft (1.41 acres)
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	52-00000089
Street Address	46 COTTAGE ST
City	NATICK
State	MA
Zip	01760-5860
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSA
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	2
Census Block	2019
Census Tract	382300

Owner

Source: Middlesex County and Natick Town records, 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 Company Names on Record
Mailing Address	46 COTTAGE ST, NATICK, MA 01760-5860
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
May 14, 2021	Quit Claim Deed, Transfer Quitclaim
Feb 24, 2021	Quit Claim Deed, Transfer Quitclaim
Feb 24, 2021	Quit Claim Deed, Transfer Quitclaim
Mar 24, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 7, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance QUICKEN LOANS INC
Mar 15, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Aug 31, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2019 · Amount on Record
Deed Sale	Mar 15, 2019 · Amount on Record
Prior Sale	Aug 31, 2018 · Amount on Record
Deed Book / Page	72334 / 206
Last Transfer Date	Mar 24, 2020
Transfer Doc	74343-149
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NATICK MA
Property Address	46 COTTAGE ST, NATICK, MA 01760-5860
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077049-487
Date	Feb 24, 2021
Book Page	77049/487
Instrument	41151

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	May 14, 2021
Property Address	46 COTTAGE ST, NATICK, MA 01760-5860
Document Number	77776-47
Book / Page	77776 / 47
Instrument Date	May 14, 2021
Instrument	110354
Transaction Type	Transfer
Record Updated	May 28, 2021

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	46 COTTAGE ST, NATICK, MA 01760-5860

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Feb 24, 2021
Property Address	46 COTTAGE ST, NATICK, MA 01760-5860
Document Number	077049-484
Book / Page	77049 / 484
Instrument Date	Feb 19, 2021
Instrument	41150
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Relationship	Joint Tenants
Address	46 COTTAGE ST, NATICK, MA 01760-5860

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Feb 24, 2021
Property Address	46 COTTAGE ST, NATICK, MA 01760-5860
Document Number	77054-14
Book / Page	77054 / 14
Instrument Date	Feb 14, 2021
Instrument	41480
Transaction Type	Transfer
Record Updated	May 12, 2021

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	46 COTTAGE ST, NATICK, MA 01760-5860

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Mar 24, 2020
Property Address	46 COTTAGE ST, NATICK, MA 01760-5860
Document Number	74343-149
Book / Page	074343 / 000149
Instrument Date	Mar 24, 2020
Instrument	43848
Transaction Type	Transfer
Record Updated	Apr 7, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	46 COTTAGE ST NATICK MA 017605860, NATICK, MA 01760-5860

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Jan 7, 2020
Property Address	46 COTTAGE ST, NATICK, MA 01760-5860
Document Number	73953-20
Book / Page	73953 / 20
Instrument Date	Jan 2, 2020
Instrument	2380
Transaction Type	Transfer
Record Updated	May 12, 2021

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	46 COTTAGE ST, NATICK, MA 01760-5860

Mortgage

Document Number	73953-24
Date	Jan 7, 2020
Book Page	73953/24
Instrument	2381

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Mar 15, 2019
Property Address	46 COTTAGE ST, NATICK, MA 01760-5860
Document Number	72334-206
Book / Page	72334 / 206
Instrument Date	Feb 15, 2019
Instrument	31712
Transaction Type	Transfer
Record Updated	May 12, 2021

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	33 PLAIN ST, NATICK, MA 01760-4867

Mortgage

Document Number	31713
Date	Mar 15, 2019
Instrument	31713

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Aug 31, 2018
Property Address	46 COTTAGE ST, NATICK, MA 01760-5860
Document Number	71563-462
Book / Page	071563 / 000462
Instrument Date	Aug 22, 2018
Instrument	135419
Transaction Type	Transfer
Record Updated	Jan 15, 2019

Transaction

Amount	Amount Recorded
Tax	$2,781.60
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	46 COTTAGE ST NATICK MA 017605860, NATICK, MA 01760-5860

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,731.00 (+3.59%)	$813,600 (+6.19%) Land $564,600 Building $249,000	$825,740
2024	$9,394.00 (-4.58%)	$766,200 (-1.63%) Land $533,300 Building $232,900
2023	$9,845.00	$778,900 Land $533,500 Building $245,400

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 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	4 in force
Nearby Flood Claims	9 (1978–2023)
Claims Outside the SFHA	6 of 9
Most Recent Claim	Aug 2023 · rainfall accumulation

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 96% of the US · lower than 92% 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	NATICK WATER AND SEWER DIVISION serves 37,006 people · EPA ID MA3198000
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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