12 Besso St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 12 Besso St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1964
Lot Size	0.41 acres (17,855 sqft)
Owner	2 Company Names on File
Last Sale	$565,000 (Jun 2021)
Tax Bill	$7,127 (2025)
Deeds & Mortgages	Jun 2026 Transfer Feb 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`99-023`

Property Details

APN / Parcel Number

Primary APN	`99-023`
Alternative APNs	`FRAN M:253 L:041` `M:099 L:023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	2,956 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	17,855 sqft (0.41 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	99-023
Street Address	12 BESSO ST
City	FRANKLIN
State	MA
Zip	02038-2802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BRUSHWOOD ESTATES
Legal Lot Number	41
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	3
Census Block	3000
Census Tract	442104

Owner

Source: Norfolk County and Franklin Town City records, as of July 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	2 Company Names on File
Mailing Address	12 BESSO ST, FRANKLIN, MA 02038-2802
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Quit Claim Deed, Transfer Quitclaim
Feb 27, 2020	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Oct 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOMEBRIDGE FINANCIAL SERVICES INC
Jun 28, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NFM LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2021 · Amount on File
Deed Sale	Jun 28, 2021 · Amount on File
Prior Sale	Jan 24, 2008 · Amount on File
Deed Document Number	202183817
Deed Book / Page	39561 / 392
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Jun 8, 2026
Property Address	12 BESSO ST, FRANKLIN, MA 02038-2802
Document Number	0043155-65
Book / Page	43155 / 65
Instrument Date	May 19, 2026
Instrument	202638314
Transaction Type	Transfer
Record Updated	Aug 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 BESSO ST, FRANKLIN, MA 02038-2802

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	12 BESSO ST, FRANKLIN, MA 02038-2802
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037629-41
Date	Feb 27, 2020
Book Page	37629/41
Instrument	17465

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Mar 1, 2060

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	12 BESSO ST, FRANKLIN, MA 02038-2802
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038495-246
Date	Oct 20, 2020
Book Page	38495/246
Instrument	113834

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Jun 28, 2021
Property Address	12 BESSO ST, FRANKLIN, MA 02038-2802
Document Number	039561-392
Book / Page	39561 / 392
Instrument Date	Jun 28, 2021
Instrument	83817
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12 BESSO ST, FRANKLIN, MA 02038-2802

Mortgage

Document Number	0000083818
Date	Jun 28, 2021
Instrument	83818

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

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	$7,127.00 (+4.95%)	$613,300 (+6.48%) Land $243,200 Building $370,100	$653,600 (+2.06%)
2024	$6,791.00 (+3.81%)	$576,000 (+10.77%) Land $243,200 Building $332,800	$640,395
2023	$6,542.00	$520,000 Land $253,700 Building $266,300

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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