616 Cottage St, Athol, MA 01331 Property Records

Worcester County and Athol Town property record for 616 Cottage St, Athol, MA 01331

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,510 sqft · built 1875
Lot Size	0.218 acres (9,502 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Aug 2023)
Tax Bill	$3,333 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Dec 2019 Refinance + 1 more
APN	`ATHO M:00028 B:00063 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ATHO M:00028 B:00063 L:00000`
Alternative APN	`5338`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,510 sqft Living Area
Gross Area	2,652 sqft
Basement Area	644 sqft
Unfinished Basement	644 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,502 sqft (0.218 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	5338
Street Address	616 COTTAGE ST
City	ATHOL
State	MA
Zip	01331-3133
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	63
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	616 COTTAGE ST, ATHOL, MA 01331-3133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2023	Quit Claim Deed, Transfer · FHA Mortgage BAY EQUITY LLC
Dec 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BOSTON PRIVATE BANK & TRUST COMPANY
Dec 18, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BOSTON PRIVATE BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2023 · Amount on Record
Deed Sale	Aug 24, 2023 · Amount on Record
Prior Sale	May 30, 2014 · Amount on Record
Deed Document Number	202369991
Deed Book / Page	69558 / 75
Record Updated	Oct 29, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Aug 24, 2023
Property Address	616 COTTAGE ST, ATHOL, MA 01331-3133
Document Number	0069558-75
Book / Page	69558 / 75
Instrument Date	Aug 24, 2023
Instrument	69991
Transaction Type	Transfer
Record Updated	Sep 8, 2023

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	Joint Tenants with Right of Survivorship
Address	616 COTTAGE ST, ATHOL, MA 01331-3133

Mortgage

Document Number	0000069992
Date	Aug 24, 2023
Instrument	69992

Lender

Name	BAY EQUITY LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATHOL MA
Property Address	616 COTTAGE ST, ATHOL, MA 01331-3133
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	061613-327
Date	Dec 18, 2019
Book Page	61613/327
Instrument	137650

Lender

Name	BOSTON PRIVATE BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATHOL MA
Property Address	616 COTTAGE ST, ATHOL, MA 01331-3133
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	061613-352
Date	Dec 18, 2019
Book Page	61613/352
Instrument	137652

Lender

Name	BOSTON PRIVATE BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

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	$3,333.00 (+6.35%)	$263,100 (+6.69%) Land $45,800 Building $217,300	$330,790 (-)
2025	$3,134.00 (+7.37%)	$246,600 (+8.4%) Land $44,000 Building $202,600	$330,790 (+21.37%)
2024	$2,919.00 (+3.55%)	$227,500 (+13.3%) Land $44,000 Building $183,500	$272,555
2023	$2,819.00	$200,800 Land $31,900 Building $168,900

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

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