166 Oak St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 166 Oak St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,234 sqft · built 1950
Lot Size	1.05 acres (45,782 sqft)
Owner	2 Individual Names on Record
Last Sale	$625,000 (Mar 2022)
Tax Bill	$7,396 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`92-001`

Property Details

APN / Parcel Number

Primary APN	`92-001`
Alternative APNs	`FRAN M:260 L:001` `M:092 L:001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,234 sqft Living Area
Gross Area	4,398 sqft
Basement Area	1,636 sqft
Unfinished Basement	1,636 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,782 sqft (1.05 acres)
Garage Type	Attached
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	92-001
Street Address	166 OAK ST
City	FRANKLIN
State	MA
Zip	02038-1842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	1
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	1
Census Block	1015
Census Tract	442104

Owner

Source: Norfolk County and Franklin Town 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	166 OAK ST, FRANKLIN, MA 02038-1842
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage AUSTIN CAPITAL BANK
Nov 23, 2018	Quit Claim Deed, Transfer DRAPER AND KRAMER MTG
Oct 26, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2022 · Amount on Record
Deed Sale	Mar 17, 2022 · Amount on Record
Prior Sale	Nov 23, 2018 · Amount on Record
Deed Book / Page	40394 / 437
Transfer Doc	35546-509
Record Updated	Sep 20, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Mar 17, 2022
Property Address	166 OAK ST, FRANKLIN, MA 02038-1842
Document Number	040394-437
Book / Page	40394 / 437
Instrument Date	Mar 17, 2022
Instrument	23904
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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	166 OAK ST, FRANKLIN, MA 02038-1842

Mortgage

Document Number	0000023905
Date	Mar 17, 2022
Instrument	23905

Lender

Name	AUSTIN CAPITAL BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Nov 23, 2018
Property Address	166 OAK ST, FRANKLIN, MA 02038-1842
Document Number	36451-436
Book / Page	36451 / 436
Instrument	104519
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45.99
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	364510438
Date	Nov 23, 2018
Instrument	36451/0438

Lender

Name	DRAPER AND KRAMER MTG

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 23, 2048

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Oct 26, 2017
Property Address	166 OAK ST, FRANKLIN, MA 02038-1842
Document Number	35546-509
Book / Page	035546 / 000509
Instrument Date	Jan 13, 2017
Instrument	1935
Transaction Type	Transfer
Record Updated	Nov 14, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	166 OAK ST FRANKLIN MA 020381842, FRANKLIN, MA 02038-1842

Tax Assessment & Valuation

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	$7,396.00 (+5.01%)	$636,500 (+6.55%) Land $244,500 Building $392,000	$736,630 (+2.08%)
2024	$7,043.00 (+16.32%)	$597,400 (+24.12%) Land $244,500 Building $352,900	$721,620
2023	$6,055.00	$481,300 Land $266,900 Building $214,400

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

Flood

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

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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.

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 111 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 and 4G LTE (outdoors only)

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