14 Elm St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 14 Elm St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,193 sqft · built 1965
Lot Size	0.717 acres (31,237 sqft)
Owner	2 Trust Names on File
Last Sale	$648,500 (Sep 2020)
Tax Bill	$9,862 (2025)
Deeds & Mortgages	Feb 2022 Transfer Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`131-039`

Property Details

APN / Parcel Number

Primary APN	`131-039`
Alternative APNs	`FRAN M:220 L:006` `M:131 L:039`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,193 sqft Living Area
Gross Area	6,343 sqft
Basement Area	1,970 sqft
Unfinished Basement	1,970 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	31,237 sqft (0.717 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	131-039
Street Address	14 ELM ST
City	FRANKLIN
State	MA
Zip	02038-1504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	FRANKLIN
Legal Lot Number	6
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	3
Census Block	3001
Census Tract	442103

Owner

14 Elm St is owner-occupied and held in a trust since February 2022.

Source: Norfolk County and Franklin Town City records, as of July 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	14 ELM ST, FRANKLIN, MA 02038-1504
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 22, 2019	Deed of Trust, Mortgage · FHA Mortgage ENVOY MORTGAGE LTD
Sep 10, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENVOY MORTGAGE LTD
Mar 8, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2020 · Amount on File
Deed Sale	Sep 10, 2020 · Amount on File
Prior Sale	Aug 31, 1999 · Amount on File
Deed Document Number	202094777
Deed Book / Page	38329 / 101
Last Transfer Date	Feb 10, 2022
Transfer Doc	0040318-45
Record Updated	Sep 20, 2026

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Feb 14, 2022
Property Address	14 ELM ST, FRANKLIN, MA 02038-1504
Document Number	0040318-45
Book / Page	40318 / 45
Instrument Date	Feb 10, 2022
Instrument	13842
Transaction Type	Transfer
Record Updated	Mar 4, 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	14 ELM ST, FRANKLIN, MA 02038-1504

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	14 ELM ST, FRANKLIN, MA 02038-1504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36981-44
Date	Jul 22, 2019
Book Page	36981/44
Instrument	60941

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Sep 10, 2020
Property Address	14 ELM ST, FRANKLIN, MA 02038-1504
Document Number	38329-101
Book / Page	38329 / 101
Instrument Date	Sep 2, 2020
Instrument	94777
Transaction Type	Transfer
Record Updated	May 12, 2021

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	Tenants by the Entirety
Address	14 ELM ST, FRANKLIN, MA 02038-1504
Investor	Possibly a Property Investor

Mortgage

Document Number	94778
Date	Sep 10, 2020
Instrument	94778

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Mar 8, 2018
Property Address	14 ELM ST, FRANKLIN, MA 02038-1504
Document Number	35842-222
Book / Page	035842 / 000222
Instrument Date	Jan 31, 2018
Instrument	554
Transaction Type	Transfer
Record Updated	Mar 27, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14 ELM ST FRANKLIN MA 020381504, FRANKLIN, MA 02038-1504

Tax Assessment & Valuation

The 2025 property tax bill for 14 Elm St was $9,862, up 4.3% from the year before.

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	$9,862.00 (+4.33%)	$848,700 (+5.85%) Land $330,600 Building $518,100	$912,475 (+5.54%)
2024	$9,453.00 (-0.9%)	$801,800 (+5.74%) Land $330,600 Building $471,200	$864,595
2023	$9,539.00	$758,300 Land $287,100 Building $471,200

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

Flood

FEMA maps place 14 Elm St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1987.

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
Nearby Flood Claims	7 (1987–2011)
Most Recent Claim	Oct 2011 · Severe Storm
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims

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

Wildfire risk around 14 Elm St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 127 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

Cell Coverage

5G (outdoors only) and 4G LTE

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