898 Cottage St, Athol, MA 01331 Property Records

Worcester County and Athol Town property record for 898 Cottage St, Athol, MA 01331

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,176 sqft · built 1960
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Jul 2025)
Tax Bill	$3,823 (2026)
Deeds & Mortgages	Oct 2024 Line of Credit Jul 2025 Sale & Refinance + 2 more
APN	`ATHO M:00028 B:00199 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ATHO M:00028 B:00199 L:00000`
Alternative APN	`1998`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Gross Area	2,336 sqft
Basement Area	1,542 sqft
Unfinished Basement	1,542 sqft

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	47,916 sqft (1.1 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1998
Street Address	898 COTTAGE ST
City	ATHOL
State	MA
Zip	01331-3139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	199
Jurisdiction	ATHOL MA
Township / Civil Division	ATHOL
Census Block Group	3
Census Block	3000
Census Tract	703100

Owner

Source: Worcester County and Athol 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	898 COTTAGE ST, ATHOL, MA 01331-3139
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2024	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Jul 24, 2025	Quit Claim Deed, Transfer · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Oct 30, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance DIGITAL FCU
Dec 27, 2018	Quit Claim Deed, Transfer · Stand-Alone First Mortgage RADIUS FINANCIAL GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2025 · Amount on Record
Deed Sale	Jul 24, 2025 · Amount on Record
Prior Sale	Dec 27, 2018 · Amount on Record
Deed Book / Page	72301 / 175
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATHOL MA
Property Address	898 COTTAGE ST, ATHOL, MA 01331-3139
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071168-77
Date	Oct 17, 2024
Book Page	71168/77
Instrument	85311

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Nov 1, 2064

Interest

Rate Type	Adjustable Rate

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Jul 24, 2025
Property Address	898 COTTAGE ST, ATHOL, MA 01331-3139
Document Number	072301-175
Book / Page	72301 / 175
Instrument Date	Jul 24, 2025
Instrument	61208
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
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
Address	898 COTTAGE ST, ATHOL, MA 01331-3139

Mortgage

Document Number	0000061209
Date	Jul 24, 2025
Instrument	61209

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Oct 30, 2020
Property Address	898 COTTAGE ST, ATHOL, MA 01331-3139
Document Number	63629-91
Book / Page	63629 / 91
Instrument Date	Oct 26, 2020
Instrument	130972
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	898 COTTAGE ST, ATHOL, MA 01331-3139

Mortgage

Document Number	63629-95
Date	Oct 30, 2020
Book Page	63629/95
Instrument	130973

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ATHOL MA
Recording Date	Dec 27, 2018
Property Address	898 COTTAGE ST, ATHOL, MA 01331-3139
Document Number	59872-74
Book / Page	59872 / 74
Instrument Date	Dec 24, 2018
Instrument	136747
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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
Address	898 COTTAGE ST, ATHOL, MA 01331-3139

Mortgage

Document Number	136748
Date	Dec 27, 2018
Instrument	136748

Lender

Name	RADIUS FINANCIAL GROUP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,823.00 (+7.69%)	$301,700 (+8.02%) Land $65,500 Building $236,200	$347,605 (-)
2025	$3,550.00 (+6.07%)	$279,300 (+7.05%) Land $62,900 Building $216,400	$347,605 (+12.62%)
2024	$3,347.00 (+6.19%)	$260,900 (+16.21%) Land $62,900 Building $198,000	$308,655
2023	$3,152.00	$224,500 Land $45,500 Building $179,000

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	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

Cell Coverage

4G LTE (outdoors only), no 5G reported

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