9 Cottage St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 9 Cottage St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,834 sqft · built 2018
Lot Size	1.3 acres (56,628 sqft)
Owner	2 Individual Names on Record
Last Sale	$926,500 (Apr 2019)
Tax Bill	$17,175 (2026)
Deeds & Mortgages	May 2021 Refinance Dec 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:49-P:009`

Property Details

APN / Parcel Number

Primary APN	`M:49-P:009`
Alternative APN	`NREA M:049.0 B:0000 L:0009.0`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,834 sqft Living Area
Gross Area	1,676 sqft
Basement Area	582 sqft
Unfinished Basement	582 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	56,628 sqft (1.3 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9 COTTAGE ST
City	NORTH READING
State	MA
Zip	01864-1517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	9.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1001
Census Tract	330101

Owner

Source: Middlesex County and North Reading 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	2 Individual Names on Record
Mailing Address	9 COTTAGE ST, NORTH READING, MA 01864-1517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP
Dec 28, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WEBSTER BANK
May 30, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WEBSTER BANK
Apr 1, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NEW FED MORTGAGE CORP
Dec 22, 2017	Quit Claim Deed, Transfer ENTERPRISE BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2019 · Amount on Record
Deed Sale	Apr 1, 2019 · Amount on Record
Prior Sale	Dec 22, 2017 · Amount on Record
Deed Book / Page	72408 / 94
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	9 COTTAGE ST, NORTH READING, MA 01864-1517
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077843-223
Date	May 24, 2021
Book Page	77843/223
Instrument	117151

Lender

Name	NEW FED MORTGAGE CORP

Agreement

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

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	9 COTTAGE ST, NORTH READING, MA 01864-1517
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081108-434
Date	Dec 28, 2022
Book Page	81108/434
Instrument	187663

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	169 Months
Due	Jan 1, 2037

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	9 COTTAGE ST, NORTH READING, MA 01864-1517
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081584-535
Date	May 30, 2023
Book Page	81584/535
Instrument	55719

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2038

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Apr 1, 2019
Property Address	9 COTTAGE ST, NORTH READING, MA 01864-1517
Document Number	72408-94
Book / Page	72408 / 94
Instrument Date	Apr 1, 2019
Instrument	40500
Transaction Type	Transfer
Record Updated	Jun 8, 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	9 COTTAGE ST, NORTH READING, MA 01864-1517

Mortgage

Document Number	40501
Date	Apr 1, 2019
Instrument	40501

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Dec 22, 2017
Property Address	9 COTTAGE ST, NORTH READING, MA 01864-1517
Document Number	70431-145
Book / Page	70431 / 145
Instrument	208282
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount Recorded
Tax	$0.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 COTTAGE ST, NORTH READING, MA 01864-1517

Mortgage

Document Number	704310148
Date	Dec 22, 2017
Instrument	70431/0148

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	North Reading Town
Unified School District	North Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$17,175.00 (+2.5%)	$1,319,100 (+2.81%) Land $426,500 Building $892,600	$1,450,088
2025	$16,756.00 (+0.69%)	$1,283,000 (+1.85%) Land $410,300 Building $872,700
2024	$16,641.00 (+4.73%)	$1,259,700 (+10.91%) Land $387,000 Building $872,700
2023	$15,890.00	$1,135,800 Land $355,600 Building $780,200

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 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	4 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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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