1 Oak Tree Ln, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 1 Oak Tree Ln, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,455 sqft · built 1989
Lot Size	0.689 acres (30,004 sqft)
Owner	2 Individual Names on Record
Last Sale	$490,000 (May 2016)
Tax Bill	$9,340 (2025)
Deeds & Mortgages	May 2021 Refinance Apr 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`116-022-1`

Property Details

APN / Parcel Number

Primary APN	`116-022-1`
Alternative APNs	`FRAN M:226 L:009` `M:116 L:022=1=11`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,455 sqft Living Area
Gross Area	4,376 sqft
Basement Area	1,400 sqft
Unfinished Basement	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,004 sqft (0.689 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	116-022-1
Street Address	1 OAK TREE LN
City	FRANKLIN
State	MA
Zip	02038-1570
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	9
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	2
Census Block	2000
Census Tract	442104

Owner

Source: Norfolk County and Franklin Town City records, as of August 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1 OAK TREE LN, FRANKLIN, MA 02038-1570
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BAXTER CU
Apr 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BAXTER CU
Apr 21, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BAXTER CU
May 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2016 · Amount on Record
Deed Sale	May 2, 2016 · Amount on Record
Prior Sale	Jul 31, 1997 · Amount on Record
Deed Document Number	201639148
Deed Book / Page	34050 / 2
Transfer Doc	00034050-2
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	1 OAK TREE LN, FRANKLIN, MA 02038-1570
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	039345-490
Date	May 3, 2021
Book Page	39345/490
Instrument	57544

Lender

Name	BAXTER CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2031

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	1 OAK TREE LN, FRANKLIN, MA 02038-1570
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0039330-56
Date	Apr 29, 2021
Book Page	39330/56
Instrument	55769

Lender

Name	BAXTER CU
Type	Credit Union

Agreement

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

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	1 OAK TREE LN, FRANKLIN, MA 02038-1570
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040480-270
Date	Apr 21, 2022
Book Page	40480/270
Instrument	34863

Lender

Name	BAXTER CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2032

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	1 OAK TREE LN, FRANKLIN, MA 02038-1570
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037847-458
Date	May 6, 2020
Book Page	37847/458
Instrument	41264

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

Tax Assessment & Valuation

Source: Norfolk County and Franklin Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
Municipality	Franklin Town City
Unified School District	Franklin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,340.00 (+4.12%)	$803,800 (+5.65%) Land $330,200 Building $473,600	$797,050 (+5.97%)
2024	$8,970.00 (-0.6%)	$760,800 (+6.06%) Land $330,200 Building $430,600	$752,115
2023	$9,024.00	$717,300 Land $286,700 Building $430,600

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 May 26, 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	1 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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	FRANKLIN WATER DEPARTMENT serves 33,706 people · EPA ID MA2101000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	2 ppb (2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 189 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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