955 Cottage St, Athol, MA 01331 Property Records

Worcester County and Athol Town property record for 955 Cottage St, Athol, MA 01331

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,850 sqft · built 1895
Lot Size	1.54 acres (67,082 sqft)
Owner	Individual Name on Record
Last Sale	$186,000 (Apr 2007)
Tax Bill	$4,111 (2026)
Deeds & Mortgages	Nov 2025 Mortgage Nov 2017 Mortgage
APN	`ATHO M:00028 B:00195 L:00000`

Property Details

APN / Parcel Number

Primary APN	`ATHO M:00028 B:00195 L:00000`
Alternative APN	`1996`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,850 sqft Living Area
Gross Area	4,168 sqft
Basement Area	1,850 sqft
Unfinished Basement	1,850 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	67,082 sqft (1.54 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1996
Street Address	955 COTTAGE ST
City	ATHOL
State	MA
Zip	01331-3104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	195
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	955 COTTAGE ST, ATHOL, MA 01331-3104
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Deed of Trust, Mortgage · Conventional Mortgage BANKESB
Nov 8, 2017	Deed of Trust, Mortgage HOMETOWN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2007 · Amount on Record
Deed Sale	Apr 11, 2007 · Amount on Record
Prior Sale	Jul 10, 2002 · Amount on Record
Deed Document Number	200747022
Deed Book / Page	40967 / 169
Transfer Doc	40967-169
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATHOL MA
Property Address	955 COTTAGE ST, ATHOL, MA 01331-3104
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072890-156
Date	Nov 26, 2025
Book Page	72890/156
Instrument	103780

Lender

Name	BANKESB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2045

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATHOL MA
Property Address	955 COTTAGE ST, ATHOL, MA 01331-3104
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58009-253
Date	Nov 8, 2017
Book Page	58009/253
Instrument	124788

Lender

Name	HOMETOWN BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

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	$4,111.00 (+2.54%)	$324,500 (+2.89%) Land $66,500 Building $258,000	$309,985 (-)
2025	$4,009.00 (+2.14%)	$315,400 (+3.11%) Land $63,900 Building $251,500	$309,985 (-0.31%)
2024	$3,925.00 (+3.84%)	$305,900 (+13.63%) Land $63,900 Building $242,000	$310,935
2023	$3,780.00	$269,200 Land $46,500 Building $222,700

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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