2 Joseph Cir, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 2 Joseph Cir, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,828 sqft · built 2023
Lot Size	0.977 acres (42,541 sqft)
Owner	2 Individual Names on File
Last Sale	$825,000 (Dec 2023)
Tax Bill	$11,037 (2025)
Deeds & Mortgages	Feb 2025 Mortgage Dec 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`128-010-00`

Property Details

APN / Parcel Number

Primary APN	`128-010-00`
Alternative APN	`FRAN M:211 L:001-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,828 sqft Living Area
Gross Area	5,064 sqft
Basement Area	1,198 sqft
Unfinished Basement	1,198 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,541 sqft (0.977 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	128-010-00
Street Address	2 JOSEPH CIR
City	FRANKLIN
State	MA
Zip	02038-2669
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	1-1
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	2
Census Block	2011
Census Tract	442103

Owner

2 Joseph Cir is owned and occupied by two individuals who bought it in December 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	2 JOSEPH CIR, FRANKLIN, MA 02038-2669
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Feb 18, 2025	Deed of Trust, Mortgage · ARM AVIDIA BANK
Dec 26, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage AVIDIA BANK
Oct 3, 2022	Quit Claim Deed, Transfer
Jun 22, 2021	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2023 · Amount on File
Deed Sale	Dec 26, 2023 · Amount on File
Prior Sale	Oct 3, 2022 · Amount on File
Deed Document Number	202385148
Deed Book / Page	41575 / 316
Prior Transfer Date	Sep 22, 2022
Prior Transfer Doc	040847-119
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	2 JOSEPH CIR, FRANKLIN, MA 02038-2669
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042253-374
Date	Feb 18, 2025
Book Page	42253/374
Instrument	9575

Lender

Name	AVIDIA BANK

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Type Change Date	Mar 1, 2030

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Dec 26, 2023
Property Address	2 JOSEPH CIR, FRANKLIN, MA 02038-2669
Document Number	041575-316
Book / Page	41575 / 316
Instrument Date	Dec 26, 2023
Instrument	85148
Transaction Type	Transfer
Record Updated	Mar 19, 2024

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
Relationship	Tenants by the Entirety
Address	2 JOSEPH CIR, FRANKLIN, MA 02038-2669

Mortgage

Document Number	0000085149
Date	Dec 26, 2023
Instrument	85149

Lender

Name	AVIDIA BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Jan 1, 2029
Max Rate At Change	2.75%
Index	3-Year CMT

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Oct 3, 2022
Property Address	2 JOSEPH CIR, FRANKLIN, MA 02038-2669
Document Number	040847-119
Book / Page	40847 / 119
Instrument Date	Sep 22, 2022
Instrument	86255
Transaction Type	Transfer
Record Updated	Mar 19, 2024

Transaction

Amount	Amount 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	65 KIM PL, HOLLISTON, MA 01746-1590

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Jun 22, 2021
Property Address	2 JOSEPH CIR, FRANKLIN, MA 02038-2669
Document Number	039538-392
Book / Page	39538 / 392
Instrument Date	Jun 22, 2021
Instrument	80765
Transaction Type	Transfer
Record Updated	Mar 19, 2024

Transaction

Amount	Amount 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	1 GARRETT SPILLANE RD, FOXBOROUGH, MA 02035-1154

Tax Assessment & Valuation

The 2025 property tax bill for 2 Joseph Cir was $11,037, up 78.3% 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	Assessed Market Value
2025	$11,037.00 (+78.27%)	$949,800 (+80.88%) Land $335,000 Building $614,800	$872,670 (+4.95%)
2024	$6,191.00 (+72.31%)	$525,100 (+83.86%) Land $335,000 Building $190,100	$831,535
2023	$3,593.00	$285,600 Land $285,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2 Joseph Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2005.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2005–2010)
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 2 Joseph Cir 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	Direct burnable vegetation

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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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