Middlesex County and Framingham City property record for 120 Winter St, Framingham, MA 01702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,560 sqft · built 1961 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $625,000 (Feb 2024) |
| Tax Bill | $7,276 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Feb 2024 Sale & Mortgage + 4 more |
| Flood Zone | Zone AE (high risk) |
| APN | 100-22-4125 |
| Primary APN | 100-22-4125 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| Gross Area | 3,050 sqft |
| 1st Floor Area | 1,560 sqft |
| Basement Area | 1,196 sqft |
| Unfinished Basement | 1,196 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,731 sqft (0.43 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 5774 |
|---|---|
| Street Address | 120 WINTER ST |
| City | FRAMINGHAM |
| State | MA |
| Zip | 01702-2432 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 22 |
| Legal Lot Number | 4125 |
| Jurisdiction | FRAMINGHAM MA |
| Township / Civil Division | FRAMINGHAM |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 383502 |
Source: Middlesex County and Framingham City records, as of July 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 | 120 WINTER ST, FRAMINGHAM, MA 01702-2432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 2, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK |
| Feb 16, 2024 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage EMBRACE HOME LOANS INC |
| Jul 2, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA |
| May 26, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA |
| Aug 22, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Jun 30, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 16, 2024 · Amount on Record |
| Deed Sale | Feb 16, 2024 · Amount on Record |
| Prior Sale | Jun 30, 2017 |
| Deed Document Number | 202416194 |
| Deed Book / Page | 82492 / 61 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Property Address | 120 WINTER ST, FRAMINGHAM, MA 01702-2432 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 085185-246 |
|---|---|
| Date | Feb 2, 2026 |
| Book Page | 85185/246 |
| Instrument | 11676 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.63% |
| Type Change Date | Feb 1, 2033 |
| Index | Other |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Recording Date | Feb 16, 2024 |
| Property Address | 120 WINTER ST, FRAMINGHAM, MA 01702-2432 |
| Document Number | 0082492-61 |
| Book / Page | 82492 / 61 |
| Instrument Date | Feb 16, 2024 |
| Instrument | 16194 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2024 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 120 WINTER ST, FRAMINGHAM, MA 01702-2432 |
| Document Number | 0000016195 |
|---|---|
| Date | Feb 16, 2024 |
| Instrument | 16195 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Property Address | 120 WINTER ST, FRAMINGHAM, MA 01702-2432 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 078175-556 |
|---|---|
| Date | Jul 2, 2021 |
| Book Page | 78175/556 |
| Instrument | 151629 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Property Address | 120 WINTER ST, FRAMINGHAM, MA 01702-2432 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74738-262 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 74738/262 |
| Instrument | 78818 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Property Address | 120 WINTER ST, FRAMINGHAM, MA 01702-2432 |
| Document Number | 71541-207 |
| Instrument Date | Aug 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 120 WINTER ST FRAMINGHAM MA 017022432, FRAMINGHAM, MA 01702-2432 |
| Document Number | 71541-207 |
|---|---|
| Date | Aug 29, 2018 |
| Book Page | 071541/000207 |
| Instrument | 132852 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 28, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Recording Date | Jun 30, 2017 |
| Property Address | 120 WINTER ST, FRAMINGHAM, MA 01702-2432 |
| Document Number | 69534-506 |
| Book / Page | 069534 / 000506 |
| Instrument Date | Jun 21, 2017 |
| Instrument | 101550 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 120 WINTER ST FRAMINGHAM MA 017022432, FRAMINGHAM, MA 01702-2432 |
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 |
|---|---|---|---|
| 2025 | $7,276.00 (+2.99%) | $609,400 (+7.48%) Land $269,900 Building $339,500 | $660,725 (+13.38%) |
| 2024 | $7,065.00 (+5.62%) | $567,000 (+10.96%) Land $241,000 Building $326,000 | $582,730 |
| 2023 | $6,689.00 | $511,000 Land $215,100 Building $295,900 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Nearby Flood Policies | 10 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.
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 | None beyond ember reach |
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 298 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 |
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