594 Cottage St, Athol, MA 01331 Property Records

Worcester County and Athol Town property record for 594 Cottage St, Athol, MA 01331

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,232 sqft · built 1875
Lot Size	0.121 acres (5,280 sqft)
Owner	2 Individual Names on Record
Last Sale	$89,000 (Sep 2015)
Tax Bill	$3,174 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jun 2023 Refinance + 1 more
APN	`ATHO M:00028 B:00061 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ATHO M:00028 B:00061 L:00000`
Alternative APN	`1903`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,232 sqft Living Area
Gross Area	2,233 sqft
Basement Area	616 sqft
Unfinished Basement	616 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,280 sqft (0.121 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1903
Street Address	594 COTTAGE ST
City	ATHOL
State	MA
Zip	01331-3134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	61
Jurisdiction	ATHOL MA
Township / Civil Division	ATHOL
Census Block Group	3
Census Block	3000
Census Tract	703100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	594 COTTAGE ST, ATHOL, MA 01331-3134
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Jun 28, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC
Jan 28, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2015 · Amount on Record
Deed Sale	Sep 24, 2015 · Amount on Record
Prior Sale	Apr 9, 2009 · Amount on Record
Deed Document Number	201599435
Deed Book / Page	54337 / 233
Transfer Doc	054337-233
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATHOL MA
Recording Date	Sep 1, 2026
Property Address	594 COTTAGE ST, ATHOL, MA 01331-3134
Document Number	0000076841
Book / Page	74118 / 1
Instrument Date	Aug 24, 2026
Instrument	202676841
Transaction Type	Mortgage
Record Updated	Sep 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	594 COTTAGE ST, ATHOL, MA 01331-3134

Mortgage

Document Number	0000076841,
Date	Sep 1, 2026
Book Page	74118/1
Instrument	202676841

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATHOL MA
Property Address	594 COTTAGE ST, ATHOL, MA 01331-3134
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069310-80
Date	Jun 28, 2023
Book Page	69310/80
Instrument	50856

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATHOL MA
Property Address	594 COTTAGE ST, ATHOL, MA 01331-3134
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071577-146
Date	Jan 28, 2025
Book Page	71577/146
Instrument	7224

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

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	$3,174.00 (+6.4%)	$250,500 (+6.73%) Land $48,200 Building $202,300	$306,565 (-)
2025	$2,983.00 (+8.59%)	$234,700 (+9.62%) Land $46,300 Building $188,400	$306,565 (+15.41%)
2024	$2,747.00 (+3.97%)	$214,100 (+13.76%) Land $46,300 Building $167,800	$265,620
2023	$2,642.00	$188,200 Land $33,600 Building $154,600

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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