Middlesex County and Framingham City property record for 118 Prospect St, Framingham, MA 01701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,773 sqft · built 1958 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Individual Name on File |
| Last Sale | $626,000 (Apr 2024) |
| Tax Bill | $7,429 (2026) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Feb 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 91-65-6052 |
| Primary APN | 91-65-6052 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,773 sqft Living Area |
| Gross Area | 3,306 sqft |
| 1st Floor Area | 1,084 sqft |
| Basement Area | 1,084 sqft |
| Unfinished Basement | 1,084 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,682 sqft (0.36 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 5880 |
|---|---|
| Street Address | 118 PROSPECT ST |
| City | FRAMINGHAM |
| State | MA |
| Zip | 01701-4827 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 65 |
| Legal Lot Number | 6052 |
| Jurisdiction | FRAMINGHAM MA |
| Township / Civil Division | FRAMINGHAM |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 383600 |
118 Prospect St is owned and occupied by an individual who bought it in April 2024.
Source: Middlesex County and Framingham City records, as of October 20, 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 | Individual Name on File |
|---|---|
| Mailing Address | 118 PROSPECT ST, FRAMINGHAM, MA 01701-4827 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Apr 25, 2024 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Feb 12, 2020 | Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 25, 2024 · Amount on File |
| Deed Sale | Apr 25, 2024 · Amount on File |
| Prior Sale | Jan 15, 1993 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Recording Date | Apr 25, 2024 |
| Property Address | 118 PROSPECT ST, FRAMINGHAM, MA 01701-4827 |
| Document Number | 082700-374 |
| Book / Page | 82700 / 374 |
| Instrument Date | Apr 25, 2024 |
| Instrument | 41615 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 118 PROSPECT ST, FRAMINGHAM, MA 01701-4827 |
| Document Number | 0000041616 |
|---|---|
| Date | Apr 25, 2024 |
| Instrument | 41616 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.99% |
| Type Change Date | May 1, 2031 |
| Max Rate At Change | 2.75% |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Property Address | 118 PROSPECT ST, FRAMINGHAM, MA 01701-4827 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 74118-509 |
|---|---|
| Date | Feb 12, 2020 |
| Book Page | 74118/509 |
| Instrument | 21028 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
The 2026 property tax bill for 118 Prospect St was $7,429, up 2.9% from the year before.
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 | $7,429.00 (+2.88%) | $628,000 (+3.84%) Land $296,900 Building $306,600 | $649,221 (-4.34%) |
| 2025 | $7,221.00 (+1.48%) | $604,800 (+5.9%) Land $282,800 Building $322,000 | $678,680 (+16.29%) |
| 2024 | $7,116.00 (+5.56%) | $571,100 (+10.89%) Land $252,000 Building $319,100 | $583,585 |
| 2023 | $6,741.00 | $515,000 Land $224,800 Building $290,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 118 Prospect St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 individual policies |
| Nearby Flood Policies | 42 units insured incl. 32 condo units |
| Nearby Flood Claims | 31 (1979–2023) |
| Claims Outside the SFHA | 4 of 31 |
| Most Recent Claim | Dec 2023 · river or lake flooding |
| 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 118 Prospect St 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 93% of the US · lower than 83% 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 228 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 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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