120 Howe St, Framingham, MA 01702 Property Records

Middlesex County and Framingham City property record for 120 Howe St, Framingham, MA 01702

Property Summary

Property Type	Duplex
Details	6 bd · 3 ba · 2,984 sqft · built 1973
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Trust Names on File
Last Sale	$440,000 (Sep 2017)
Tax Bill	$8,532 (2026)
Deeds & Mortgages	Jul 2021 Refinance Dec 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`113-20-8002`

Property Details

APN / Parcel Number

Primary APN	`113-20-8002`
Alternative APNs	`FRAM M:113 B:20 L:8002 U:000` `M:131.0 B:0172 L:0010.0` `F_682801_2930022` `3488`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	13 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,984 sqft Living Area
Gross Area	4,620 sqft
1st Floor Area	1,696 sqft
Basement Area	1,536 sqft
Unfinished Basement	1,536 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1977
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3488
Street Address	120 HOWE ST
City	FRAMINGHAM
State	MA
Zip	01702-6584
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	G
Legal Subdivision	FRAMINGHAM
Legal Block	20
Legal Lot Number	8002
Jurisdiction	FRAMINGHAM MA
Township / Civil Division	FRAMINGHAM
Census Block Group	1
Census Block	1011
Census Tract	383402

Owner

120 Howe St, a duplex, is held in a trust since November 2022.

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	2 Trust Names on File
Mailing Address	3 MACKENZIE CT, ANDOVER, MA 01810-4900
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FALL RIVER FIVE CENTS SAVINGS BANK
Dec 9, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 27, 2017	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2017 · Amount on File
Deed Sale	Sep 27, 2017 · Amount on File
Deed Book / Page	69988 / 471
Last Transfer Date	Nov 17, 2022
Transfer Doc	0081039-93
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	120 HOWE ST, FRAMINGHAM, MA 01702-6584
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078233-379
Date	Jul 13, 2021
Book Page	78233/379
Instrument	157762

Lender

Name	FALL RIVER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRAMINGHAM MA
Recording Date	Dec 9, 2022
Property Address	120 HOWE ST, FRAMINGHAM, MA 01702-6584
Document Number	0081039-93
Book / Page	81039 / 93
Instrument Date	Nov 17, 2022
Instrument	179424
Transaction Type	Transfer
Record Updated	Dec 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 MACKENZIE CT, ANDOVER, MA 01810-4900

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRAMINGHAM MA
Recording Date	Sep 27, 2017
Property Address	120 HOWE ST, FRAMINGHAM, MA 01702-6584
Document Number	69988-471
Book / Page	069988 / 000471
Instrument Date	Sep 19, 2017
Instrument	86
Transaction Type	Transfer
Record Updated	Oct 17, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,006.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 MACKENZIE CT ANDOVER MA 018104900, ANDOVER, MA 01810-4900

Mortgage

Document Number	69988-475
Date	Sep 27, 2017
Book Page	069988/000475
Instrument	87

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 26, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 120 Howe St was $8,532, up 6.9% from the year before.

Source: Middlesex County and Framingham City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Framingham City
Unified School District	Framingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,532.00 (+6.94%)	$721,200 (+7.93%) Land $241,600 Building $464,700	$835,985
2025	$7,978.00 (+1.27%)	$668,200 (+5.68%) Land $219,700 Building $448,500
2024	$7,878.00 (+1.61%)	$632,300 (+6.75%) Land $196,900 Building $435,400
2023	$7,753.00	$592,300 Land $176,400 Building $415,900

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

Flood

FEMA maps place 120 Howe St in Zone X, an area of minimal flood risk.

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 Policies	2 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

The area around 120 Howe St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 343 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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