85 Cottage St, Framingham, MA 01701 Property Records

Middlesex County and Framingham City property record for 85 Cottage St, Framingham, MA 01701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,647 sqft · built 2017
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$1,200,000 (May 2025)
Tax Bill	$13,006 (2026)
Deeds & Mortgages	Mar 2021 Refinance Aug 2022 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`51-43-7995`

Property Details

APN / Parcel Number

Primary APN	`51-43-7995`
Alternative APNs	`FRAM M:051 B:43 L:7995 U:000` `F_684798_2943951` `7528`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,647 sqft Living Area
Gross Area	4,556 sqft
1st Floor Area	1,166 sqft
Basement Area	1,166 sqft
Unfinished Basement	1,166 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	7528
Street Address	85 COTTAGE ST
City	FRAMINGHAM
State	MA
Zip	01701-3572
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	43
Legal Lot Number	7995
Jurisdiction	FRAMINGHAM MA
Township / Civil Division	FRAMINGHAM
Census Block Group	1
Census Block	1015
Census Tract	383800

Owner

85 Cottage St is owned and occupied by two individuals who bought it in May 2025.

Source: Middlesex County and Framingham City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	85 COTTAGE ST, FRAMINGHAM, MA 01701-3572
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
Aug 26, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance THIRD FEDERAL SAVING & LOAN ASSOC
May 30, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ALLIANT CU
Oct 16, 2019	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Oct 30, 2017	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Mar 13, 2017	Quit Claim Deed, Transfer MUTUALONE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2025 · Amount on File
Deed Sale	May 30, 2025 · Amount on File
Prior Sale	Oct 30, 2017 · Amount on File
Deed Book / Page	84161 / 220
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	85 COTTAGE ST, FRAMINGHAM, MA 01701-3572
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077366-297
Date	Mar 30, 2021
Book Page	77366/297
Instrument	70058

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	85 COTTAGE ST, FRAMINGHAM, MA 01701-3572
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080632-93
Date	Aug 26, 2022
Book Page	80632/93
Instrument	130874

Lender

Name	THIRD FEDERAL SAVING & LOAN ASSOC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRAMINGHAM MA
Recording Date	May 30, 2025
Property Address	85 COTTAGE ST, FRAMINGHAM, MA 01701-3572
Document Number	084161-220
Book / Page	84161 / 220
Instrument Date	May 30, 2025
Instrument	60131
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount on Record
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	Tenants by the Entirety
Address	85 COTTAGE ST, FRAMINGHAM, MA 01701-3572

Mortgage

Document Number	0000060132
Date	May 30, 2025
Instrument	60132

Lender

Name	ALLIANT CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Jun 1, 2032
Max Rate At Change	2.75%
Index	Other

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	85 COTTAGE ST, FRAMINGHAM, MA 01701-3572
Document Number	73811-248
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 COTTAGE ST FRAMINGHAM MA 017013572, FRAMINGHAM, MA 01701-3572

Mortgage

Document Number	73811-248
Date	Dec 12, 2019
Book Page	073811/000248
Instrument	6603

Lender

Name	ALLIANT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 11, 2049

Interest

Rate Type	Adjustable Rate

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRAMINGHAM MA
Recording Date	Oct 30, 2017
Property Address	85 COTTAGE ST, FRAMINGHAM, MA 01701-3572
Document Number	70152-215
Book / Page	070152 / 000215
Instrument Date	Oct 18, 2017
Instrument	5759
Transaction Type	Transfer
Record Updated	Mar 5, 2019

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,078.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	85 COTTAGE ST FRAMINGHAM MA 017013572, FRAMINGHAM, MA 01701-3572

Mortgage

Document Number	70152-219
Date	Oct 30, 2017
Book Page	070152/000219
Instrument	5760

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2047

Interest

Rate	3.13%

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRAMINGHAM MA
Recording Date	Mar 13, 2017
Property Address	85 COTTAGE ST, FRAMINGHAM, MA 01701-3572
Document Number	69004-237
Book / Page	69004 / 237
Instrument	37880
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Tax	$56.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	690040240
Date	Mar 13, 2017
Instrument	69004/0240

Lender

Name	MUTUALONE BK

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 85 Cottage St was $13,006, up 3.3% from the year before.

Source: Middlesex County and Framingham City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Framingham City
Unified School District	Framingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,006.00 (+3.3%)	$1,099,400 (+4.27%) Land $274,000 Building $773,300	$1,156,922 (+2.37%)
2025	$12,590.00 (+3.78%)	$1,054,400 (+8.29%) Land $261,000 Building $793,400	$1,130,120 (+19.08%)
2024	$12,132.00 (+5.75%)	$973,700 (+11.1%) Land $233,100 Building $740,600	$949,050
2023	$11,472.00	$876,400 Land $208,000 Building $668,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 85 Cottage St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

The area around 85 Cottage St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	FRAMINGHAM WATER DEPT. (MWRA) serves 72,362 people · EPA ID MA3100000
Water Source	Purchased surface water from MWRA
Last State Inspection	Apr 2024
Lead	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 378 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Nearby Properties on Cottage St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures