46 Cottage St, Randolph, MA 02368 Property Records

Norfolk County and Randolph Town City property record for 46 Cottage St, Randolph, MA 02368

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,903 sqft · built 1910
Lot Size	0.295 acres (12,840 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Sep 2003)
Tax Bill	$8,601 (2025)
Deeds & Mortgages	Aug 2024 Refinance May 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`RAND M:47 B:E L:009`

Property Details

APN / Parcel Number

Primary APN	`RAND M:47 B:E L:009`
Alternative APN	`6418`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,903 sqft Living Area
Gross Area	5,212 sqft
1st Floor Area	1,262 sqft
Attic	Attic
Attic Area	1,262 sqft
Basement Area	1,262 sqft
Unfinished Basement	1,262 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,840 sqft (0.295 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	6418
Street Address	46 COTTAGE ST
City	RANDOLPH
State	MA
Zip	02368-4608
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RH
Legal Block	E
Legal Lot Number	9
Jurisdiction	RANDOLPH MA
Township / Civil Division	RANDOLPH TOWN
Census Block Group	3
Census Block	3007
Census Tract	420301

Owner

Source: Norfolk County and Randolph Town City records, as of April 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	46 COTTAGE ST, RANDOLPH, MA 02368-4608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
May 23, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Jan 18, 2020	Deed of Trust, Mortgage · Line of Credit SANTANDER BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2003 · Amount on Record
Deed Sale	Sep 17, 2003 · Amount on Record
Prior Sale	May 14, 2003 · Amount on Record
Transfer Doc	0000991122
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH MA
Property Address	46 COTTAGE ST, RANDOLPH, MA 02368-4608
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001540376
Date	Aug 19, 2024
Instrument	1540376

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	337 Months
Due	Sep 1, 2052

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH MA
Property Address	46 COTTAGE ST, RANDOLPH, MA 02368-4608
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001521306
Date	May 23, 2023
Instrument	1521306

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH MA
Property Address	46 COTTAGE ST, RANDOLPH, MA 02368-4608
Document Number	0001439623
Instrument Date	Jan 18, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 COTTAGE ST RANDOLPH MA 023684608, RANDOLPH, MA 02368-4608

Mortgage

Document Number	0001439623
Date	Feb 3, 2020
Instrument	1439623

Lender

Name	SANTANDER BK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Norfolk County and Randolph Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
Municipality	Randolph Town City
Unified School District	Randolph School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$8,601.00 (+17.37%)	$740,800 (+22.12%) Land $230,900 Building $509,900
2023	$7,328.00	$606,600 Land $205,800 Building $400,800

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1978)
Most Recent Claim	Feb 1978 · Coastal Storms, Flood, Ice & Snow
Claims by Event	Coastal Storms, Flood, Ice & Snow, Feb 1978 · 2 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	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	RANDOLPH WATER DEPARTMENT serves 35,114 people · EPA ID MA4244000
Water Source	Purchased surface water from RANDOLPH/HOLBROOK JOINT WATER BOARD
Last State Inspection	Aug 2023
Lead	3 ppb (2021–2023) 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. 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 316 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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