499 Cottage St, Athol, MA 01331 Property Records

Worcester County and Athol Town property record for 499 Cottage St, Athol, MA 01331

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,356 sqft · built 1880
Lot Size	0.176 acres (7,654 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Sep 2022)
Tax Bill	$3,411 (2026)
Deeds & Mortgages	Oct 2022 Transfer Sep 2022 Sale & Mortgage + 1 more
APN	`ATHO M:00029 B:00337 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ATHO M:00029 B:00337 L:00000`
Alternative APN	`2243`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,356 sqft Living Area
Gross Area	2,864 sqft
Basement Area	795 sqft
Unfinished Basement	795 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,654 sqft (0.176 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2243
Street Address	499 COTTAGE ST
City	ATHOL
State	MA
Zip	01331-3101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	337
Jurisdiction	ATHOL MA
Township / Civil Division	ATHOL
Census Block Group	3
Census Block	3003
Census Tract	703100

Owner

Source: Worcester County and Athol Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	499 COTTAGE ST, ATHOL, MA 01331-3101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 30, 2022	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Nov 1, 2017	Quit Claim Deed, Transfer · Conventional with PMI WORKERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2022 · Amount on Record
Deed Sale	Sep 30, 2022 · Amount on Record
Prior Sale	Nov 1, 2017 · Amount on Record
Deed Book / Page	68289 / 65
Last Transfer Date	Oct 27, 2022
Transfer Doc	068419-123
Record Updated	Oct 29, 2026

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Oct 28, 2022
Property Address	499 COTTAGE ST, ATHOL, MA 01331-3101
Document Number	068419-123
Book / Page	68419 / 123
Instrument Date	Oct 27, 2022
Instrument	117107
Transaction Type	Transfer
Record Updated	Nov 11, 2022

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	Tenants by the Entirety
Address	499 COTTAGE ST, ATHOL, MA 01331-3101

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Sep 30, 2022
Property Address	499 COTTAGE ST, ATHOL, MA 01331-3101
Document Number	0068289-65
Book / Page	68289 / 65
Instrument Date	Sep 30, 2022
Instrument	107077
Transaction Type	Transfer
Record Updated	Oct 14, 2022

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	499 COTTAGE ST, ATHOL, MA 01331-3101

Mortgage

Document Number	0000107078
Date	Sep 30, 2022
Instrument	107078

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Nov 1, 2017
Property Address	499 COTTAGE ST, ATHOL, MA 01331-3101
Document Number	57977-395
Book / Page	057977 / 000395
Instrument Date	Oct 31, 2017
Instrument	91
Transaction Type	Transfer
Record Updated	Nov 21, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$649.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	499 COTTAGE ST ATHOL MA 013313101, ATHOL, MA 01331-3101

Mortgage

Document Number	57978-1
Date	Nov 1, 2017
Book Page	057978/000001
Instrument	92

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2047

Tax Assessment & Valuation

Source: Worcester County and Athol Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Athol Town
Unified School District	Athol-Royalston School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,411.00 (+6.33%)	$269,200 (+6.66%) Land $49,700 Building $219,500	$326,895 (-)
2025	$3,208.00 (+6.72%)	$252,400 (+7.73%) Land $47,800 Building $204,600	$326,895 (+5.17%)
2024	$3,006.00 (+3.69%)	$234,300 (+13.46%) Land $47,800 Building $186,500	$310,840
2023	$2,899.00	$206,500 Land $34,600 Building $171,900

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 November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ATHOL DPW WATER DIVISION serves 10,587 people · EPA ID MA1015000
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	4 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. 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 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Cottage St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures