86 Cottage St, Hardwick, VT 05843 Property Records

Hardwick Town property record for 86 Cottage St, Hardwick, VT 05843

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,306 sqft · built 1900
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Aug 2022)
Tax Bill	$1,821 (2025)
Deeds & Mortgages	Aug 2022 Sale May 2018 Sale + 1 more
APN	`282-089-10713`

Property Details

APN / Parcel Number

Primary APN	`282-089-10713`
Alternative APNs	`(089) 23033.00030` `M:23033 B:00030`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,306 sqft Living Area
Gross Area	2,664 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	86 COTTAGE ST
City	HARDWICK
State	VT
Zip	05843
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE/LOT
Jurisdiction	HARDWICK VT
Township / Civil Division	HARDWICK
Census Block Group	2
Census Block	2009
Census Tract	957700

Owner

86 Cottage St is owned by two individuals who bought it in August 2022.

Source: Hardwick Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 1133, HARDWICK, VT 05843-1133
Owner Type	Individual

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
Aug 8, 2022	Deed, Transfer
May 8, 2018	Grant Deed, Transfer
Oct 19, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2022 · Amount on File
Deed Sale	Aug 8, 2022 · Amount on File
Prior Sale	May 8, 2018 · Amount on File
Deed Document Number	2022892415552
Prior Transfer Date	Oct 17, 2017
Prior Transfer Doc	DK1316543616
Record Updated	Oct 29, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARDWICK VT
Recording Date	Aug 8, 2022
Property Address	86 COTTAGE ST, HARDWICK, VT 05843
Document Number	DK892415552
Instrument Date	Aug 1, 2022
Instrument	DK 892415552
Transaction Type	Transfer
Record Updated	Aug 29, 2022

Transaction

Amount	Amount on Record
Tax	$1.37
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 PAYNE BLVD, 12, PORTLAND, CT 06480-1701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 COTTAGE ST, HARDWICK, VT 05843
Investor	Possibly a Property Investor

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HARDWICK VT
Recording Date	May 8, 2018
Property Address	86 COTTAGE ST, HARDWICK, VT 05843
Transaction Type	Transfer
Record Updated	Jun 26, 2018

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 COTTAGE ST HARDWICK VT 05843, HARDWICK, VT 05843

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARDWICK VT
Recording Date	Oct 19, 2017
Property Address	86 COTTAGE ST, HARDWICK, VT 05843
Transaction Type	Transfer
Record Updated	Apr 12, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	86 COTTAGE ST HARDWICK VT 05843, HARDWICK, VT 05843

Tax Assessment & Valuation

The 2025 property tax bill for 86 Cottage St was $1,821, down 43% from the year before.

Source: Hardwick Town assessment roll, as of June 1, 2026

Property Jurisdictions

Type	Name
State	Vermont
County	Caledonia County
County Subdivision	Hardwick Town
Elementary School District	Mountain View Union Elementary School District (PK - 06)
Secondary School District	Hazen UHSD 26 (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$1,821.00 (-43.02%)	$152,500 (+72.12%) Land $41,900 Building $110,600
2024	$3,196.00	$88,600 Land $21,200 Building $67,400

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA has no flood map on file for 86 Cottage St; there have been 55 flood claims nearby since 1979.

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

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	55 (1979–2024)
Most Recent Claim	Jul 2024 · Severe Storm, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Jul 2023 · 9 claims Tropical Storm Irene, Aug 2011 · 5 claims Excessive Rainfall, Flooding, Aug 1995 · 8 claims

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

Wildfire risk around 86 Cottage St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 52% of Vermont
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	HARDWICK TOWN WATER SYSTEM serves 1,900 people · EPA ID VT0005039
Water Source	Groundwater
Last State Inspection	May 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: NEK Broadband, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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