186 School St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 186 School St, Franklin, MA 02038

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,081 sqft · built 1880
Lot Size	0.381 acres (16,601 sqft)
Owner	Individual Name on File
Last Sale	$600,000 (Nov 2025)
Tax Bill	$6,428 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`74-243`

Property Details

APN / Parcel Number

Primary APN	`74-243`
Alternative APNs	`FRAN M:278 L:158` `M:074 L:243`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,081 sqft Living Area
Gross Area	3,993 sqft
Basement Area	1,251 sqft
Unfinished Basement	1,251 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,601 sqft (0.381 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	74-243
Street Address	186 SCHOOL ST
City	FRANKLIN
State	MA
Zip	02038-2018
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Lot Number	158
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	4
Census Block	4008
Census Tract	442101

Owner

186 School St, a duplex, is owned by an individual who bought it in November 2025.

Source: Norfolk County and Franklin Town City records, as of April 14, 2026

Owner of Record	Individual Name on File
Mailing Address	12 WINNEMAY ST, 1, NATICK, MA 01760-2831
Owner Type	Individual
Vesting	Individual(s)

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2025 · Amount on File
Deed Sale	Nov 3, 2025 · Amount on File
Prior Sale	Mar 9, 2015
Deed Book / Page	42746 / 415
Record Updated	Oct 29, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Nov 3, 2025
Property Address	186 SCHOOL ST, FRANKLIN, MA 02038-2018
Document Number	042746-415
Book / Page	42746 / 415
Instrument Date	Nov 3, 2025
Instrument	78038
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	12 WINNEMAY ST APT 1, 1, NATICK, MA 01760-2831

Mortgage

Document Number	0000078039
Date	Nov 3, 2025
Instrument	78039

Lender

Name	NEEDHAM BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Dec 1, 2030
Index	5-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 186 School St was $6,428, up 3% 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
2025	$6,428.00 (+3.01%)	$553,200 (+4.52%) Land $325,900 Building $227,300
2024	$6,240.00 (+4.75%)	$529,300 (+11.78%) Land $325,900 Building $203,400
2023	$5,957.00	$473,500 Land $283,000 Building $190,500

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 186 School 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 186 School 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 95% of the US · lower than 90% 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 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