15 Thayer St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 15 Thayer St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,874 sqft · built 1885
Lot Size	0.233 acres (10,154 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Jan 2015)
Tax Bill	$5,481 (2025)
Deeds & Mortgages	Jan 2021 Refinance Dec 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`65-031`

Property Details

APN / Parcel Number

Primary APN	`65-031`
Alternative APNs	`FRAN M:287 L:137` `M:065 L:031`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,874 sqft Living Area
Gross Area	3,154 sqft
Basement Area	1,101 sqft
Unfinished Basement	1,101 sqft

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,154 sqft (0.233 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	65-031
Street Address	15 THAYER ST
City	FRANKLIN
State	MA
Zip	02038-2127
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	137
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	4
Census Block	4007
Census Tract	442101

Owner

15 Thayer St is owned and occupied by two individuals who acquired it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	15 THAYER ST, FRANKLIN, MA 02038-2127
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 3, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CHARLES RIVER BANK
Dec 22, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC
Jul 27, 2018	Deed of Trust, Mortgage CHARLES RIVER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2015 · Amount on File
Deed Sale	Jan 16, 2015 · Amount on File
Deed Book / Page	32843 / 298
Last Transfer Date	Dec 17, 2021
Transfer Doc	040189-186
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	15 THAYER ST, FRANKLIN, MA 02038-2127
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	038899-201
Date	Jan 21, 2021
Book Page	38899/201
Instrument	8330

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2041

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	15 THAYER ST, FRANKLIN, MA 02038-2127
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042141-83
Date	Dec 3, 2024
Book Page	42141/83
Instrument	80285

Lender

Name	CHARLES RIVER BANK

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	61 Months
Due	Jan 1, 2030

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Dec 22, 2021
Property Address	15 THAYER ST, FRANKLIN, MA 02038-2127
Document Number	040189-184
Book / Page	40189 / 184
Instrument Date	Dec 17, 2021
Instrument	160053
Transaction Type	Transfer
Record Updated	Jul 24, 2024

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
Relationship	Joint Tenants with Right of Survivorship
Address	15 THAYER ST, FRANKLIN, MA 02038-2127

Mortgage

Document Number	0000160054
Date	Dec 22, 2021
Instrument	160054

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	15 THAYER ST, FRANKLIN, MA 02038-2127
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36175-125
Date	Jul 27, 2018
Book Page	36175/125
Instrument	65106

Lender

Name	CHARLES RIVER BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jul 1, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 15 Thayer St was $5,481, up 3.8% 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	$5,481.00 (+3.79%)	$471,700 (+5.31%) Land $235,300 Building $236,400	$588,335 (+12.23%)
2024	$5,281.00 (-4.59%)	$447,900 (+1.8%) Land $235,300 Building $212,600	$524,210
2023	$5,535.00	$440,000 Land $256,800 Building $183,200

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

Flood

FEMA maps place 15 Thayer St in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 15 Thayer 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	None beyond 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	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 282 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Thayer St

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