103 Mastro Dr, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 103 Mastro Dr, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,673 sqft · built 1996
Lot Size	1.6 acres (69,696 sqft)
Owner	2 Individual Names on File
Last Sale	$520,000 (Nov 2014)
Tax Bill	$9,580 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`130-016-03`

Property Details

APN / Parcel Number

Primary APN	`130-016-03`
Alternative APNs	`FRAN M:221 L:045` `M:130 L:016=03`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,673 sqft Living Area
Gross Area	5,424 sqft
Basement Area	1,285 sqft
Unfinished Basement	1,285 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	69,696 sqft (1.6 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	130-016-03
Street Address	103 MASTRO DR
City	FRANKLIN
State	MA
Zip	02038-4117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	45
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	1
Census Block	1002
Census Tract	442103

Owner

103 Mastro Dr is owned and occupied by two individuals who bought it in November 2014.

Source: Norfolk County and Franklin Town City records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	103 MASTRO DR, FRANKLIN, MA 02038-4117
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 9, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2014 · Amount on File
Deed Sale	Nov 14, 2014 · Amount on File
Prior Sale	Oct 29, 1998 · Amount on File
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	103 MASTRO DR, FRANKLIN, MA 02038-4117
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001468543
Date	Feb 10, 2021
Instrument	1468543

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	289 Months
Due	Mar 1, 2045

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	103 MASTRO DR, FRANKLIN, MA 02038-4117
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001441780
Date	Mar 9, 2020
Instrument	1441780

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 103 Mastro Dr was $9,580, down 1.4% from the year before.

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	$9,580.00 (-1.44%)	$824,400 (-) Land $376,800 Building $447,600	$979,070 (+5.01%)
2024	$9,720.00 (+2.13%)	$824,400 (+8.98%) Land $376,800 Building $447,600	$932,330
2023	$9,517.00	$756,500 Land $349,500 Building $407,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 103 Mastro Dr in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1979.

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	6 in force
Nearby Flood Claims	17 (1979–2023)
Claims Outside the SFHA	7 of 17
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Flooding, Oct 2005 · 3 claims Heavy Rains And Flooding, Jul 1998 · 2 claims

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

Wildfire risk around 103 Mastro Dr is low, with less than 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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 83 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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