Norfolk County and Franklin Town City property record for 178 Cottage St, Franklin, MA 02038
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 768 sqft · built 1981 |
| Lot Size | 0.632 acres (27,539 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $4,777 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 56-087 |
| Primary APN | 56-087 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 768 sqft Living Area |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 27,539 sqft (0.632 acres) |
| Garage Type | Detached |
| Heating Fuel | Electric |
|---|
| Account Number | 56-087 |
|---|---|
| Street Address | 178 COTTAGE ST |
| City | FRANKLIN |
| State | MA |
| Zip | 02038-2422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | SOUTH HILL ESTATES |
| Legal Lot Number | 54 |
| Jurisdiction | FRANKLIN MA |
| Township / Civil Division | FRANKLIN TOWN |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 442204 |
178 Cottage St is owner-occupied and held in a trust since May 2011.
Source: Norfolk County and Franklin Town City records, as of October 5, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 178 COTTAGE ST, FRANKLIN, MA 02038-2422 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2011 |
| Deed Sale | May 6, 2011 |
| Deed Document Number | 20114 |
| Deed Book / Page | 28786 / 492 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 178 Cottage St was $4,777, up 1.6% from the year before.
Source: Norfolk County and Franklin Town City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Norfolk County |
| Municipality | Franklin Town City |
| Unified School District | Franklin School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,777.00 (+1.57%) | $411,100 (+3.06%) Land $239,600 Building $171,500 | $457,900 (+7.25%) |
| 2024 | $4,703.00 (-8.07%) | $398,900 (-1.92%) Land $239,600 Building $159,300 | $426,930 |
| 2023 | $5,116.00 | $406,700 Land $261,600 Building $145,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 178 Cottage St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective May 26, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 178 Cottage 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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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