48 Cottage St, Framingham, MA 01701 Property Records

Middlesex County and Framingham City property record for 48 Cottage St, Framingham, MA 01701

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,570 sqft · built 1897
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Jun 2016)
Tax Bill	$10,167 (2026)
Deeds & Mortgages	Mar 2018 Mortgage Nov 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`51-43-8138`

Property Details

APN / Parcel Number

Primary APN	`51-43-8138`
Alternative APNs	`FRAM M:051 B:43 L:8138 U:000` `M:297.0 B:0205 L:0011.0` `F_684834_2943185` `7595`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,570 sqft Living Area
Gross Area	4,884 sqft
1st Floor Area	1,349 sqft
Attic	Attic
Attic Area	837 sqft
Basement Area	1,097 sqft
Unfinished Basement	1,097 sqft

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1966
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Detached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	7595
Street Address	48 COTTAGE ST
City	FRAMINGHAM
State	MA
Zip	01701-3526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	43
Legal Lot Number	8138
Jurisdiction	FRAMINGHAM MA
Township / Civil Division	FRAMINGHAM
Census Block Group	3
Census Block	3005
Census Tract	383700

Owner

48 Cottage St is owned and occupied by two individuals who bought it in June 2016.

Source: Middlesex County and Framingham City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	48 COTTAGE ST, FRAMINGHAM, MA 01701-3526
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
Mar 29, 2018	Deed of Trust, Mortgage HANSCOM FCU
Nov 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP
Oct 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2016 · Amount on File
Deed Sale	Jun 10, 2016 · Amount on File
Prior Sale	Dec 23, 1999 · Amount on File
Deed Book / Page	67411 / 546
Transfer Doc	067411-546
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	48 COTTAGE ST, FRAMINGHAM, MA 01701-3526
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70795-245
Date	Mar 29, 2018
Book Page	70795/245
Instrument	41831

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2048

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	48 COTTAGE ST, FRAMINGHAM, MA 01701-3526
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73717-295
Date	Nov 25, 2019
Book Page	73717/295
Instrument	185958

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2039

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	48 COTTAGE ST, FRAMINGHAM, MA 01701-3526
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75867-116
Date	Oct 13, 2020
Book Page	75867/116
Instrument	185004

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 48 Cottage St was $10,167, up 3.7% from the year before.

Source: Middlesex County and Framingham City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Framingham City
Unified School District	Framingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,167.00 (+3.71%)	$859,400 (+4.68%) Land $276,700 Building $570,900	$843,218 (+13.11%)
2025	$9,803.00 (+7.6%)	$821,000 (+12.28%) Land $263,600 Building $557,400	$745,465 (+0.89%)
2024	$9,111.00 (+5.79%)	$731,200 (+11.14%) Land $235,300 Building $495,900	$738,910
2023	$8,612.00	$657,900 Land $210,100 Building $447,800

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

Flood

FEMA maps place 48 Cottage St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1979.

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	11 units insured incl. 2 condo units
Nearby Flood Claims	9 (1979–2000)
Most Recent Claim	Nov 2000 · 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.

Wildfire

Wildfire risk around 48 Cottage St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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	FRAMINGHAM WATER DEPT. (MWRA) serves 72,362 people · EPA ID MA3100000
Water Source	Purchased surface water from MWRA
Last State Inspection	Apr 2024
Lead	2 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	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 342 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
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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