Middlesex County and Natick Town property record for 85 Cottage St, Natick, MA 01760
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,402 sqft · built 1840 |
| Lot Size | 1.22 acres (53,143 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $350,000 (May 2016) |
| Tax Bill | $10,637 (2025) |
| Deeds & Mortgages | Oct 2024 Refinance Jan 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 61-00000003 |
| Primary APN | 61-00000003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,402 sqft Living Area |
| 1st Floor Area | 300 sqft |
| Attic | Attic |
| Attic Area | 499 sqft |
| Basement Area | 445 sqft |
| Unfinished Basement | 445 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1840 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 53,143 sqft (1.22 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 61-00000003 |
|---|---|
| Street Address | 85 COTTAGE ST |
| City | NATICK |
| State | MA |
| Zip | 01760-5874 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RSB |
| Jurisdiction | NATICK MA |
| Township / Civil Division | NATICK |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 382400 |
Source: Middlesex County and Natick Town records, as of April 14, 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 | 85 COTTAGE ST, NATICK, MA 01760-5874 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 30, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance NEEDHAM BANK |
| Jan 25, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE |
| Nov 1, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance HARBORONE MORTGAGE |
| Nov 1, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance HARBORONE MORTGAGE |
| Jan 25, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance HARBORONE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 20, 2016 · Amount on Record |
| Deed Sale | May 20, 2016 · Amount on Record |
| Deed Book / Page | 67291 / 523 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 85 COTTAGE ST, NATICK, MA 01760-5874 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 083410-450 |
|---|---|
| Date | Oct 30, 2024 |
| Book Page | 83410/450 |
| Instrument | 123387 |
| Name | NEEDHAM BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NATICK MA |
| Property Address | 85 COTTAGE ST, NATICK, MA 01760-5874 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 076770-176 |
|---|---|
| Date | Jan 25, 2021 |
| Book Page | 76770/176 |
| Instrument | 16473 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NATICK MA |
| Recording Date | Nov 1, 2021 |
| Property Address | 85 COTTAGE ST, NATICK, MA 01760-5874 |
| Document Number | 79051-275 |
| Book / Page | 79051 / 275 |
| Instrument Date | Oct 26, 2021 |
| Instrument | 239726 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 85 COTTAGE ST, NATICK, MA 01760-5874 |
| Document Number | 79051-280 |
|---|---|
| Date | Nov 1, 2021 |
| Book Page | 79051/280 |
| Instrument | 239727 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NATICK MA |
| Recording Date | Nov 1, 2021 |
| Property Address | 85 COTTAGE ST, NATICK, MA 01760-5874 |
| Document Number | 079051-275 |
| Book / Page | 79051 / 275 |
| Instrument Date | Oct 26, 2021 |
| Instrument | 239726 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 85 COTTAGE ST, NATICK, MA 01760-5874 |
| Document Number | 0000239727 |
|---|---|
| Date | Nov 1, 2021 |
| Instrument | 239727 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NATICK MA |
| Recording Date | Jan 25, 2021 |
| Property Address | 85 COTTAGE ST, NATICK, MA 01760-5874 |
| Document Number | 076770-172 |
| Book / Page | 76770 / 172 |
| Instrument Date | Jan 19, 2021 |
| Instrument | 16472 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 85 COTTAGE ST, NATICK, MA 01760-5874 |
| Investor | Possibly a Property Investor |
| Document Number | 076770-176 |
|---|---|
| Date | Jan 25, 2021 |
| Book Page | 76770/176 |
| Instrument | 16473 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
Source: Middlesex County and Natick Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Natick Town |
| Unified School District | Natick School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,637.00 (+4.19%) | $889,400 (+6.81%) Land $546,000 Building $343,400 | $1,210,300 |
| 2024 | $10,209.00 (+13.77%) | $832,700 (+17.3%) Land $515,700 Building $317,000 | |
| 2023 | $8,973.00 | $709,900 Land $515,900 Building $194,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 5 in force |
| Nearby Flood Claims | 3 (2013–2015) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2015 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 83% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NATICK WATER AND SEWER DIVISION serves 37,006 people · EPA ID MA3198000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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