559 Cottage St, Athol, MA 01331 Property Records

Worcester County and Athol Town property record for 559 Cottage St, Athol, MA 01331

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,189 sqft · built 1880
Lot Size	0.107 acres (4,640 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Feb 2025)
Tax Bill	$4,068 (2026)
Deeds & Mortgages	Feb 2025 Sale & Mortgage Mar 2022 Sale & Mortgage + 2 more
APN	`ATHO M:00029 B:00334 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ATHO M:00029 B:00334 L:00000`
Alternative APN	`2241`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,189 sqft Living Area
Gross Area	2,429 sqft
Basement Area	741 sqft
Unfinished Basement	741 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,640 sqft (0.107 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	2241
Street Address	559 COTTAGE ST
City	ATHOL
State	MA
Zip	01331-3101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	334
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	559 COTTAGE ST, ATHOL, MA 01331-3101
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2025	Quit Claim Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Mar 11, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 2, 2021	Quit Claim Deed, Transfer · Commercial Mortgage CUTTER HILL CAPITAL
Sep 2, 2021	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2025 · Amount on Record
Deed Sale	Feb 28, 2025 · Amount on Record
Prior Sale	Mar 11, 2022 · Amount on Record
Deed Book / Page	71688 / 384
Record Updated	Oct 29, 2026

February 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Feb 28, 2025
Property Address	559 COTTAGE ST, ATHOL, MA 01331-3101
Document Number	071688-384
Book / Page	71688 / 384
Instrument Date	Feb 28, 2025
Instrument	15972
Transaction Type	Transfer
Record Updated	Mar 14, 2025

Transaction

Amount	Amount Recorded
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	Joint Tenants with Right of Survivorship
Address	559 COTTAGE ST, ATHOL, MA 01331-3101

Mortgage

Document Number	0000015973
Date	Feb 28, 2025
Instrument	15973

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0071689-24
Date	Feb 28, 2025
Book Page	71689/24
Instrument	15974

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2040

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Mar 11, 2022
Property Address	559 COTTAGE ST, ATHOL, MA 01331-3101
Document Number	067250-175
Book / Page	67250 / 175
Instrument Date	Mar 11, 2022
Instrument	27794
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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	559 COTTAGE ST, ATHOL, MA 01331-3101

Mortgage

Document Number	0000027795
Date	Mar 11, 2022
Instrument	27795

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Sep 2, 2021
Property Address	559 COTTAGE ST, ATHOL, MA 01331-3101
Document Number	065980-193
Book / Page	65980 / 193
Instrument Date	Sep 1, 2021
Instrument	123911
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 W MOUNTAIN ST, WORCESTER, MA 01606-1340

Mortgage

Document Number	0000123912
Date	Sep 2, 2021
Instrument	123912

Lender

Name	CUTTER HILL CAPITAL

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Sep 2, 2021
Property Address	559 COTTAGE ST, ATHOL, MA 01331-3101
Document Number	65978-369
Book / Page	65978 / 369
Instrument Date	Aug 30, 2021
Instrument	123802
Transaction Type	Transfer
Record Updated	Sep 17, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5000 RIVERSIDE DR STE 100W, 100W, IRVING, TX 75039-4696

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	$4,068.00 (+6.41%)	$321,100 (+6.75%) Land $46,600 Building $274,500	$321,670 (-)
2025	$3,823.00 (+11.65%)	$300,800 (+12.7%) Land $44,800 Building $256,000	$321,670 (+5.02%)
2024	$3,424.00 (+2.76%)	$266,900 (+12.47%) Land $44,800 Building $222,100	$306,280
2023	$3,332.00	$237,300 Land $32,500 Building $204,800

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

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