8 Cottage St, Douglas, MA 01516 Property Records

Worcester County and Douglas Town property record for 8 Cottage St, Douglas, MA 01516

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,644 sqft · built 1960
Lot Size	0.37 acres (16,104 sqft)
Owner	Individual Name on Record
Tax Bill	$5,022 (2026)
Deeds & Mortgages	May 2024 Refinance Dec 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2202-85`

Property Details

APN / Parcel Number

Primary APN	`2202-85`
Alternative APN	`DOUG M:0163 B:0000017 L`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,644 sqft Living Area
Gross Area	3,741 sqft
Basement Area	1,484 sqft
Unfinished Basement	1,484 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,104 sqft (0.37 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2202-85
Street Address	8 COTTAGE ST
City	DOUGLAS
State	MA
Zip	01516-3106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR
Legal Block	17
Jurisdiction	DOUGLAS MA
Township / Civil Division	DOUGLAS
Census Block Group	2
Census Block	2023
Census Tract	752101

Owner

Source: Worcester County and Douglas 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	PO BOX 32, DOUGLAS, MA 01516-0032
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance RELIANCE FIRST CAPITAL LLC
Dec 5, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Apr 28, 2021	Deed of Trust, Mortgage · Balloon Mortgage UNIBANK FOR SAVINGS
Aug 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS MA
Property Address	8 COTTAGE ST, DOUGLAS, MA 01516-3106
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070460-322
Date	May 1, 2024
Book Page	70460/322
Instrument	32135

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS MA
Property Address	8 COTTAGE ST, DOUGLAS, MA 01516-3106
Transaction Type	Mortgage
Record Updated	Dec 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068562-247
Date	Dec 5, 2022
Book Page	68562/247
Instrument	128515

Lender

Name	ROCKET MORTGAGE

Agreement

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS MA
Property Address	8 COTTAGE ST, DOUGLAS, MA 01516-3106
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065035-227
Date	Apr 28, 2021
Book Page	65035/227
Instrument	58098

Lender

Name	UNIBANK FOR SAVINGS
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DOUGLAS MA
Property Address	8 COTTAGE ST, DOUGLAS, MA 01516-3106
Transaction Type	Mortgage
Record Updated	Dec 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065940-151
Date	Aug 30, 2021
Book Page	65940/151
Instrument	121361

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Worcester County and Douglas Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Douglas Town
Unified School District	Douglas School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,022.00 (+10,148.98%)	$416,100 (+10.43%) Land $111,700 Building $304,400	$458,591 (+32.8%)
2025	$49.00 (-99.01%)	$376,800 (+2.78%) Land $101,100 Building $275,700	$345,325
2024	$4,956.00 (+2.21%)	$366,600 (+8.56%) Land $96,300 Building $270,300
2023	$4,849.00	$337,700 Land $96,300 Building $241,400

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	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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	DOUGLAS WATER DEPARTMENT serves 4,400 people · EPA ID MA2077000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	2 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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