Middlesex County and Framingham City property record for 104 Elm St, Framingham, MA 01701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,491 sqft · built 1998 |
| Lot Size | 1.28 acres (55,757 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $9,948 (2026) |
| Deeds & Mortgages | Dec 2019 Line of Credit Dec 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-24-5789 |
| Primary APN | 40-24-5789 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,491 sqft Living Area |
| Gross Area | 5,824 sqft |
| 1st Floor Area | 1,456 sqft |
| Basement Area | 1,456 sqft |
| Unfinished Basement | 1,456 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 55,757 sqft (1.28 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 8204 |
|---|---|
| Street Address | 104 ELM ST |
| City | FRAMINGHAM |
| State | MA |
| Zip | 01701-3436 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 24 |
| Legal Lot Number | 5789 |
| Jurisdiction | FRAMINGHAM MA |
| Township / Civil Division | FRAMINGHAM |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 383800 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Saxonville Historic District listed 1992 · 68 contributing resources · NRIS 92000992 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Middlesex County and Framingham City 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 | 104 ELM ST, FRAMINGHAM, MA 01701-3436 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 21, 2019 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Dec 18, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/RI |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Property Address | 104 ELM ST, FRAMINGHAM, MA 01701-3436 |
| Document Number | 0001834112 |
| Instrument Date | Dec 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 104 ELM ST FRAMINGHAM MA 017013436, FRAMINGHAM, MA 01701-3436 |
| Document Number | 0001834112 |
|---|---|
| Date | Jan 13, 2020 |
| Instrument | 1834112 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Property Address | 104 ELM ST, FRAMINGHAM, MA 01701-3436 |
| Document Number | 0000004279 |
| Instrument Date | Dec 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2019 |
| Name | Verified Name |
|---|---|
| Address | 104 ELM ST FRAMINGHAM MA 017013436, FRAMINGHAM, MA 01701-3436 |
| Document Number | 0000004279 |
|---|---|
| Date | Dec 24, 2018 |
| Instrument | 4279 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 23, 2048 |
Source: Middlesex County and Framingham City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Framingham City |
| Unified School District | Framingham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,948.00 (+2.84%) | $840,900 (+3.8%) Land $317,300 Building $523,600 | $794,958 (-8.12%) |
| 2025 | $9,673.00 (-4.09%) | $810,100 (+0.09%) Land $302,100 Building $508,000 | $865,260 (+8.93%) |
| 2024 | $10,085.00 (+5.18%) | $809,400 (+10.5%) Land $270,300 Building $539,100 | $794,295 |
| 2023 | $9,588.00 | $732,500 Land $242,000 Building $490,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Claims | 2 (1979–1984) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Apr 1984 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FRAMINGHAM WATER DEPT. (MWRA) serves 72,362 people · EPA ID MA3100000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Apr 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 273 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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