55 Cottage St, Wellesley, MA 02482 Property Records

Norfolk County and Wellesley Town property record for 55 Cottage St, Wellesley, MA 02482

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,397 sqft · built 1920
Lot Size	0.253 acres (11,006 sqft)
Owner	2 Trust Names on Record
Last Sale	$1,665,000 (Aug 2020)
Tax Bill	$22,191 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WELL M:113 R:020 S`

Property Details

APN / Parcel Number

Primary APN	`WELL M:113 R:020 S`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	3,397 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	11,006 sqft (0.253 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	55 COTTAGE ST
City	WELLESLEY
State	MA
Zip	02482-6956
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR10
Jurisdiction	WELLESLEY MA
Township / Civil Division	WELLESLEY
Census Block Group	2
Census Block	2001
Census Tract	404400

Owner

Source: Norfolk County and Wellesley 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	2 Trust Names on Record
Mailing Address	55 COTTAGE ST, WELLESLEY, MA 02482-6956
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST COMPANY
Oct 6, 2023	Quit Claim Deed, Transfer Quitclaim
Sep 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance THIRD FEDERAL SAVING & LOAN ASSOC
Aug 3, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2020 · Amount on Record
Deed Sale	Aug 3, 2020 · Amount on Record
Prior Sale	Aug 29, 2002 · Amount on Record
Deed Document Number	202077203
Deed Book / Page	38169 / 589
Last Transfer Date	Sep 29, 2023
Transfer Doc	0041449-95
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLESLEY MA
Recording Date	Sep 8, 2026
Property Address	55 COTTAGE ST, WELLESLEY, MA 02482-6956
Document Number	0000065348
Book / Page	43355 / 1
Instrument Date	Aug 31, 2026
Instrument	202665348
Transaction Type	Mortgage
Record Updated	Sep 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065348,
Date	Sep 8, 2026
Book Page	43355/1
Instrument	202665348

Lender

Name	ROCKLAND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WELLESLEY MA
Recording Date	Oct 6, 2023
Property Address	55 COTTAGE ST, WELLESLEY, MA 02482-6956
Document Number	0041449-95
Book / Page	41449 / 95
Instrument Date	Sep 29, 2023
Instrument	65509
Transaction Type	Transfer
Record Updated	Oct 20, 2023

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	55 COTTAGE ST, WELLESLEY, MA 02482-6956

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WELLESLEY MA
Property Address	55 COTTAGE ST, WELLESLEY, MA 02482-6956
Transaction Type	Mortgage
Record Updated	May 10, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039848-545
Date	Sep 15, 2021
Book Page	39848/545
Instrument	119143

Lender

Name	THIRD FEDERAL SAVING & LOAN ASSOC

Agreement

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

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WELLESLEY MA
Recording Date	Aug 3, 2020
Property Address	55 COTTAGE ST, WELLESLEY, MA 02482-6956
Document Number	038169-589
Book / Page	38169 / 589
Instrument Date	Jul 24, 2020
Instrument	77203
Transaction Type	Transfer
Record Updated	May 10, 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
Relationship	Tenants by the Entirety
Address	55 COTTAGE ST, WELLESLEY, MA 02482-6956
Investor	Possibly a Property Investor

Mortgage

Document Number	0000077204
Date	Aug 3, 2020
Instrument	77204

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Wellesley Town
Unified School District	Wellesley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$22,191.00 (+7.82%)	$2,182,000 (+8.99%) Land $1,199,000 Building $983,000	$2,516,937 (+10.36%)
2025	$20,581.00 (+2.86%)	$2,002,000 (+4.16%) Land $1,146,000 Building $856,000	$2,280,760 (+12.17%)
2024	$20,008.00 (+1.54%)	$1,922,000 (+11.68%) Land $1,100,000 Building $822,000	$2,033,285
2023	$19,705.00	$1,721,000 Land $981,000 Building $740,000

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 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2001 · 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 98% of the US · lower than 96% 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	WELLESLEY WATER DIVISION serves 29,550 people · EPA ID MA3317000
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 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	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 278 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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