2 Elm St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 2 Elm St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,086 sqft · built 1991
Lot Size	1 acres (43,691 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (May 2011)
Tax Bill	$7,273 (2025)
Deeds & Mortgages	May 2022 Line of Credit Feb 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`132-001-00`

Property Details

APN / Parcel Number

Primary APN	`132-001-00`
Alternative APNs	`FRAN M:219 L:021` `M:132 L:001=008`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,086 sqft Living Area
Gross Area	5,799 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	43,691 sqft (1 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	132-001-00
Street Address	2 ELM ST
City	FRANKLIN
State	MA
Zip	02038-1504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	FRANKLIN
Legal Lot Number	21
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	3
Census Block	3001
Census Tract	442103

Owner

Source: Norfolk County and Franklin Town City assessment roll, as of April 14, 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 File
Mailing Address	2 ELM ST, FRANKLIN, MA 02038-1504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2022	Deed of Trust, Mortgage · Line of Credit BOSTON FIREFIGHTERS CREDIT UNION
Feb 9, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 27, 2011 · Amount on Record
Deed Sale	May 27, 2011 · Amount on Record
Deed Document Number	20114
Deed Book / Page	28830 / 2
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	2 ELM ST, FRANKLIN, MA 02038-1504
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040532-154
Date	May 12, 2022
Book Page	40532/154
Instrument	41791

Lender

Name	BOSTON FIREFIGHTERS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2042

Interest

Rate Type	Adjustable Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	2 ELM ST, FRANKLIN, MA 02038-1504
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040307-376
Date	Feb 9, 2022
Book Page	40307/376
Instrument	12424

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

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	$7,273.00 (+3.52%)	$625,900 (+5.03%) Land $334,600 Building $291,300	$697,870 (+7.97%)
2024	$7,026.00 (+3.61%)	$595,900 (+10.56%) Land $334,600 Building $261,300	$646,380
2023	$6,781.00	$539,000 Land $290,600 Building $248,400

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
Nearby Flood Claims	7 (1987–2011)
Most Recent Claim	Oct 2011 · Severe Storm
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 127 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 (outdoors only) and 4G LTE

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