Middlesex County and Framingham City property record for 20 Main St, Framingham, MA 01702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,764 sqft · built 1937 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $490,000 (Aug 2020) |
| Tax Bill | $8,383 (2026) |
| Deeds & Mortgages | Jul 2023 Mortgage Aug 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 100-43-2869 |
| Primary APN | 100-43-2869 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,764 sqft Living Area |
| Gross Area | 4,014 sqft |
| 1st Floor Area | 996 sqft |
| Attic | Attic |
| Attic Area | 768 sqft |
| Basement Area | 996 sqft |
| Unfinished Basement | 996 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Type | Basement |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 5466 |
|---|---|
| Street Address | 20 MAIN ST |
| City | FRAMINGHAM |
| State | MA |
| Zip | 01702-2926 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B |
| Legal Block | 43 |
| Legal Lot Number | 2869 |
| Jurisdiction | FRAMINGHAM MA |
| Township / Civil Division | FRAMINGHAM |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 383502 |
20 Main St is owned and occupied by two individuals who bought it in August 2020.
Source: Middlesex County and Framingham City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 MAIN ST, FRAMINGHAM, MA 01702-2926 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 31, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) NAVY FCU |
| Aug 26, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage NAVY FCU |
| May 20, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2020 · Amount on File |
| Deed Sale | Aug 26, 2020 · Amount on File |
| Prior Sale | Aug 28, 2009 · Amount on File |
| Prior Transfer Date | Aug 5, 2020 |
| Prior Transfer Doc | 75458-426 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Property Address | 20 MAIN ST, FRAMINGHAM, MA 01702-2926 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 081834-493 |
|---|---|
| Date | Jul 31, 2023 |
| Book Page | 81834/493 |
| Instrument | 84909 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2038 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Recording Date | Aug 26, 2020 |
| Property Address | 20 MAIN ST, FRAMINGHAM, MA 01702-2926 |
| Document Number | 75458-426 |
| Book / Page | 75458 / 426 |
| Instrument Date | Aug 5, 2020 |
| Instrument | 146929 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 20 MAIN ST, FRAMINGHAM, MA 01702-2926 |
| Document Number | 146930 |
|---|---|
| Date | Aug 26, 2020 |
| Instrument | 146930 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Property Address | 20 MAIN ST, FRAMINGHAM, MA 01702-2926 |
| Document Number | 69355-473 |
| Book / Page | 069355 / 000473 |
| Instrument Date | May 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2017 |
| Name | Verified Name |
|---|
| Document Number | 69355-473 |
|---|---|
| Date | May 31, 2017 |
| Book Page | 069355/000473 |
| Instrument | 80242 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 30, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 20 Main St was $8,383, up 3.4% from the year before.
Source: Middlesex County and Framingham City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Framingham City |
| Unified School District | Framingham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,383.00 (+3.37%) | $708,600 (+4.33%) Land $276,500 Building $392,200 | $679,093 (+12.87%) |
| 2025 | $8,110.00 (+7.66%) | $679,200 (+12.34%) Land $263,400 Building $415,800 | $601,635 (+6.22%) |
| 2024 | $7,533.00 (+3.92%) | $604,600 (+9.17%) Land $235,200 Building $369,400 | $566,390 |
| 2023 | $7,249.00 | $553,800 Land $209,900 Building $343,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Main St in Zone X, an area of minimal flood risk, though there have been 68 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective September 10, 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 39 policies |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 68 (1979–2023) |
| Claims Outside the SFHA | 2 of 68 |
| Most Recent Claim | Dec 2023 · rainfall accumulation |
| Claims by Event |
|
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 risk around 20 Main 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 | FRAMINGHAM WATER DEPT. (MWRA) serves 72,362 people · EPA ID MA3100000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Apr 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 228 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 |
| Astound Broadband Cable | 1,500 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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