Norfolk County and Needham Town property record for 16 Frank St, Needham Heights, MA 02494
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 1,305 sqft · built 1963 |
| Lot Size | 0.384 acres (16,727 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,395,000 (Aug 2025) |
| Tax Bill | $11,921 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Nov 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:0930000900000 |
| Primary APN | M:0930000900000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,305 sqft Living Area |
| Gross Area | 2,284 sqft |
| 1st Floor Area | 1,305 sqft |
| Basement Area | 1,305 sqft |
| Unfinished Basement | 435 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,727 sqft (0.384 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 16 FRANK ST |
|---|---|
| City | NEEDHAM HEIGHTS |
| State | MA |
| Zip | 02494-1704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SRB |
| Legal Subdivision | NEEDHAM |
| Legal Block | 9 |
| Jurisdiction | NEEDHAM MA |
| Township / Civil Division | NEEDHAM |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 403502 |
16 Frank St is owned and occupied by two individuals who bought it in August 2025.
Source: Norfolk County and Needham Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 FRANK ST, NEEDHAM HEIGHTS, MA 02494-1704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 17, 2021 | Deed of Trust, Mortgage · ARM DIRECT CU |
| Nov 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance DIRECT CU |
| Mar 31, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK |
| Aug 25, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Dec 24, 2018 | Deed of Trust, Mortgage · Conventional Mortgage COUNTY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 25, 2025 · Amount on File |
| Deed Sale | Aug 25, 2025 · Amount on File |
| Prior Sale | Oct 2, 2007 · Amount on File |
| Deed Book / Page | 42607 / 166 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 16 FRANK ST, NEEDHAM, MA 02494-1704 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0040076-50 |
|---|---|
| Date | Nov 17, 2021 |
| Book Page | 40076/50 |
| Instrument | 145769 |
| Name | DIRECT CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.63% |
| Type Change Date | Dec 1, 2028 |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 16 FRANK ST, NEEDHAM, MA 02494-1704 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0040076-66 |
|---|---|
| Date | Nov 17, 2021 |
| Book Page | 40076/66 |
| Instrument | 145770 |
| Name | DIRECT CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 16 FRANK ST, NEEDHAM, MA 02494-1704 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 041123-320 |
|---|---|
| Date | Mar 31, 2023 |
| Book Page | 41123/320 |
| Instrument | 18521 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Recording Date | Aug 25, 2025 |
| Property Address | 16 FRANK ST, NEEDHAM, MA 02494-1704 |
| Document Number | 042607-166 |
| Book / Page | 42607 / 166 |
| Instrument Date | Aug 25, 2025 |
| Instrument | 58955 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount on Record |
|---|---|
| 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 | 16 FRANK ST, NEEDHAM, MA 02494-1704 |
| Document Number | 0000058958 |
|---|---|
| Date | Aug 25, 2025 |
| Instrument | 58958 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NEEDHAM MA |
| Property Address | 16 FRANK ST, NEEDHAM, MA 02494-1704 |
| Document Number | 36542-368 |
| Instrument Date | Dec 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2019 |
| Name | Verified Name |
|---|---|
| Address | 16 FRANK ST NEEDHAM MA 024941704, NEEDHAM, MA 02494-1704 |
| Document Number | 36542-368 |
|---|---|
| Date | Jan 4, 2019 |
| Book Page | 036542/000368 |
| Instrument | 605 |
| Name | COUNTY MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 3, 2049 |
The 2025 property tax bill for 16 Frank St was $11,921.
Source: Norfolk County and Needham Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Norfolk County |
| County Subdivision | Needham Town |
| Unified School District | Needham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,921.00 | $1,124,600 Land $761,000 Building $363,600 | $1,306,060 (+12.39%) |
| 2024 | $1,162,040 | ||
| 2023 | $11,107.00 | $851,800 Land $491,900 Building $359,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 16 Frank 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 | 4 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 risk around 16 Frank St is low, with less than 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 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 | NEEDHAM WATER DEPT serves 31,664 people · EPA ID MA3199000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Jun 2024 |
| Lead | 5 ppb (2021–2023) 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 406 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 / 2,000 |
| Astound Broadband Cable · Fiber in parts of the area | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures