46 Cottage St, Stoneham, MA 02180 Property Records

Middlesex County and Stoneham Town property record for 46 Cottage St, Stoneham, MA 02180

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,774 sqft · built 1962
Lot Size	0.249 acres (10,842 sqft)
Owner	2 Individual Names on File
Last Sale	$725,000 (Jan 2022)
Tax Bill	$8,461 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`STON M:17 B:000 L:428`

Property Details

APN / Parcel Number

Primary APN	`STON M:17 B:000 L:428`
Alternative APN	`3175`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,774 sqft Living Area
Gross Area	4,179 sqft
Basement Area	1,849 sqft
Unfinished Basement	924 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,842 sqft (0.249 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3175
Street Address	46 COTTAGE ST
City	STONEHAM
State	MA
Zip	02180-3532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	428
Jurisdiction	STONEHAM MA
Township / Civil Division	STONEHAM
Census Block Group	4
Census Block	4009
Census Tract	337202

Owner

46 Cottage St is owned and occupied by two individuals who bought it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	46 COTTAGE ST, STONEHAM, MA 02180-3532
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
Jan 3, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUILD MORTGAGE CO
May 12, 2020	Deed of Trust, Mortgage · ARM METRO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2022 · Amount on File
Deed Sale	Jan 3, 2022 · Amount on File
Prior Sale	Nov 17, 2000 · Amount on File
Deed Book / Page	79471 / 115
Record Updated	Oct 29, 2026

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STONEHAM MA
Recording Date	Jan 3, 2022
Property Address	46 COTTAGE ST, STONEHAM, MA 02180-3532
Document Number	079471-115
Book / Page	79471 / 115
Instrument Date	Jan 3, 2022
Instrument	353
Transaction Type	Transfer
Record Updated	Nov 11, 2025

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
Relationship	Tenants by the Entirety
Address	46 COTTAGE ST, STONEHAM, MA 02180-3532

Mortgage

Document Number	0000000354
Date	Jan 3, 2022
Instrument	354

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STONEHAM MA
Property Address	46 COTTAGE ST, STONEHAM, MA 02180-3532
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74657-580
Date	May 12, 2020
Book Page	74657/580
Instrument	71520

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Jun 1, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 46 Cottage St was $8,461, up 2.7% 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	$8,461.00 (+2.73%)	$841,100 (+4.47%) Land $400,200 Building $440,900	$859,370 (-)
2025	$8,236.00 (+4.08%)	$805,100 (+7.75%) Land $380,200 Building $424,900	$859,370 (+2.69%)
2024	$7,913.00 (-1.9%)	$747,200 (+2.82%) Land $350,200 Building $397,000	$836,855
2023	$8,066.00	$726,700 Land $320,200 Building $406,500

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

Flood

FEMA maps place 46 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 46 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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