Worcester County and Athol Town property record for 792 Cottage St, Athol, MA 01331 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,143 sqft · built 2023 |
| Lot Size | 0.32 acres (13,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $399,900 (Dec 2025) |
| Tax Bill | $4,677 (2025) |
| Deeds & Mortgages | Apr 2025 Mortgage Dec 2025 Sale & Mortgage + 1 more |
| APN | 28-212 |
| Primary APN | 28-212 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,143 sqft Living Area |
| Gross Area | 2,419 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,920 sqft (0.32 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 28-212 |
|---|---|
| Street Address | 792 COTTAGE ST |
| City | ATHOL |
| State | MA |
| Zip | 01331-3133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 212 |
| Jurisdiction | ATHOL MA |
| Township / Civil Division | ATHOL |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 703100 |
Source: Worcester County and Athol Town records · APN 28-212
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 792 COTTAGE ST, ATHOL, MA 01331-3133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Apr 02, 2025 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Dec 05, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Oct 18, 2023 | Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 05, 2025 · Amount on Record |
| Deed Sale | Dec 05, 2025 · Amount on Record |
| Prior Sale | Oct 18, 2023 · Amount on Record |
| Deed Book / Page | 72926 / 251 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ATHOL MA |
| Property Address | 792 COTTAGE ST, ATHOL, MA 01331-3133 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0071809-55 |
|---|---|
| Date | Apr 02, 2025 |
| Book Page | 71809/55 |
| Instrument | 25149 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | May 01, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ATHOL MA |
| Recording Date | Dec 05, 2025 |
| Property Address | 792 COTTAGE ST, ATHOL, MA 01331-3133 |
| Document Number | 072926-251 |
| Book / Page | 72926 / 251 |
| Instrument Date | Dec 05, 2025 |
| Instrument | 106459 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 792 COTTAGE ST, ATHOL, MA 01331-3133 |
| Document Number | 0000106460 |
|---|---|
| Date | Dec 05, 2025 |
| Instrument | 106460 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ATHOL MA |
| Recording Date | Oct 18, 2023 |
| Property Address | 792 COTTAGE ST, ATHOL, MA 01331-3133 |
| Document Number | 069773-229 |
| Book / Page | 69773 / 229 |
| Instrument Date | Oct 18, 2023 |
| Instrument | 86863 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 792 COTTAGE ST, ATHOL, MA 01331-3133 |
| Document Number | 0000086864 |
|---|---|
| Date | Oct 18, 2023 |
| Instrument | 86864 |
| Name | TOTAL MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Worcester County and Athol Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Athol Town |
| Unified School District | Athol-Royalston School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,677.00 (+622.87%) | $368,000 (+630.16%) Land $50,400 Building $317,600 | $375,725 (-2.32%) |
| 2024 | $647.00 | $50,400 Land $50,400 | $384,655 |
Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250277031003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Not included in the FIRM |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Not mapped |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Feb 1978, tidal / storm surge |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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