Hardwick Town property record for 98 Cottage St, Hardwick, VT 05843
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,022 sqft · built 1900 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Jan 2021) |
| Tax Bill | $3,070 (2025) |
| Deeds & Mortgages | Jan 2021 Sale |
| APN | 282-089-11610 |
| Primary APN | 282-089-11610 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,022 sqft Living Area |
| Gross Area | 3,978 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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) |
| Garage Type | Attached |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 98 COTTAGE ST |
|---|---|
| City | HARDWICK |
| State | VT |
| Zip | 05843-2003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE/GARAGE/LOT |
| Jurisdiction | HARDWICK VT |
| Township / Civil Division | HARDWICK |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 957700 |
98 Cottage St is owned and occupied by two individuals who bought it in January 2021.
Source: Hardwick Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 113, HARDWICK, VT 05843-0113 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 21, 2021 · Amount on File |
| Deed Sale | Jan 21, 2021 · Amount on File |
| Deed Document Number | 20211955242048 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HARDWICK VT |
| Recording Date | Jan 21, 2021 |
| Property Address | 98 COTTAGE ST, HARDWICK, VT 05843-2003 |
| Document Number | DK1955242048 |
| Instrument Date | Jan 19, 2021 |
| Instrument | DK1955242048 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $1.66 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1164, HARDWICK, VT 05843-1164 |
| Name | Verified Name |
|---|---|
| Address | 98 COTTAGE ST, HARDWICK, VT 05843-2003 |
The 2025 property tax bill for 98 Cottage St was $3,070 with a homeowner's exemption, down 45% from the year before.
Source: Hardwick Town assessment roll, as of June 1, 2026
| 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) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,070.00 (-45.02%) | $246,300 Land $52,400 Building $193,900 |
| 2024 | $5,584.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA has no flood map on file for 98 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 |
|
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 risk around 98 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 |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 121 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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