18 Concetta Way, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 18 Concetta Way, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,122 sqft · built 1998
Lot Size	0.642 acres (27,983 sqft)
Owner	2 Company Names on Record
Last Sale	$627,500 (Nov 2003)
Tax Bill	$10,980 (2025)
Deeds & Mortgages	May 2023 Transfer Nov 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`87-014-02`

Property Details

APN / Parcel Number

Primary APN	`87-014-02`
Alternative APNs	`FRAN M:265 L:014` `M:087 L:014=02`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,122 sqft Living Area
Gross Area	7,928 sqft
Basement Area	1,560 sqft
Unfinished Basement	1,560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,983 sqft (0.642 acres)
Garage Type	Attached
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	87-014-02
Street Address	18 CONCETTA WAY
City	FRANKLIN
State	MA
Zip	02038-5209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	14
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	2
Census Block	2009
Census Tract	442203

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	18 CONCETTA WAY, FRANKLIN, MA 02038-5209
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 9, 2023	Quit Claim Deed, Transfer Quitclaim
Nov 17, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Feb 12, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 30, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2003 · Amount on Record
Deed Sale	Nov 19, 2003 · Amount on Record
Prior Sale	Feb 2, 1999 · Amount on Record
Deed Document Number	2003273308
Last Transfer Date	Apr 28, 2023
Transfer Doc	041184-491
Record Updated	Oct 29, 2026

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	May 9, 2023
Property Address	18 CONCETTA WAY, FRANKLIN, MA 02038-5209
Document Number	041184-491
Book / Page	41184 / 491
Instrument Date	Apr 28, 2023
Instrument	27520
Transaction Type	Transfer
Record Updated	May 26, 2023

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	18 CONCETTA WAY, FRANKLIN, MA 02038-5209

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	18 CONCETTA WAY, FRANKLIN, MA 02038-5209
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	40073-545
Date	Nov 17, 2021
Book Page	40073/545
Instrument	145520

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2046

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	18 CONCETTA WAY, FRANKLIN, MA 02038-5209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35793-336
Date	Feb 12, 2018
Book Page	35793/336
Instrument	11520

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	18 CONCETTA WAY, FRANKLIN, MA 02038-5209
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37823-165
Date	Apr 30, 2020
Book Page	37823/165
Instrument	38566

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2045

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	$10,980.00 (-2.43%)	$944,900 (-1.01%) Land $358,800 Building $586,100	$1,041,010 (+1.53%)
2024	$11,254.00 (+6.21%)	$954,500 (+13.32%) Land $358,800 Building $595,700	$1,025,335
2023	$10,596.00	$842,300 Land $342,900 Building $499,400

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	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

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable · Fiber in parts of the area	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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