626 Cottage St, Athol, MA 01331 Property Records

Worcester County and Athol Town property record for 626 Cottage St, Athol, MA 01331

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,824 sqft · built 1890
Lot Size	0.681 acres (29,654 sqft)
Owner	Individual Name on Record
Last Sale	$148,000 (May 2018)
Tax Bill	$3,373 (2026)
Deeds & Mortgages	May 2018 Sale & Mortgage
APN	`ATHO M:00028 B:00072 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ATHO M:00028 B:00072 L:00000`
Alternative APN	`1910`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,824 sqft Living Area
Gross Area	3,590 sqft
Basement Area	1,140 sqft
Unfinished Basement	1,140 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,654 sqft (0.681 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1910
Street Address	626 COTTAGE ST
City	ATHOL
State	MA
Zip	01331-3133
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RA
Legal Block	72
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	Individual Name on Record
Mailing Address	626 COTTAGE ST, ATHOL, MA 01331-3133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2018 · Amount on Record
Deed Sale	May 24, 2018 · Amount on Record
Prior Sale	Oct 10, 2013 · Amount on Record
Deed Book / Page	58846 / 78
Transfer Doc	0058846-78
Record Updated	Oct 29, 2026

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	May 24, 2018
Property Address	626 COTTAGE ST, ATHOL, MA 01331-3133
Document Number	58846-78
Book / Page	58846 / 78
Instrument	50124
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$19.77
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	626 COTTAGE ST, ATHOL, MA 01331-3133

Mortgage

Document Number	588460063
Date	May 24, 2018
Instrument	58846/0063

Lender

Name	HOMEBRIDGE FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 24, 2048

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	$3,373.00 (+3.66%)	$266,200 (+3.98%) Land $54,300 Building $211,900	$305,065
2025	$3,254.00 (+0.96%)	$256,000 (+1.91%) Land $52,200 Building $203,800
2024	$3,223.00 (+7.97%)	$251,200 (+18.16%) Land $52,200 Building $199,000
2023	$2,985.00	$212,600 Land $37,800 Building $174,800

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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