20 Winterberry Dr, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 20 Winterberry Dr, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,362 sqft · built 1997
Lot Size	0.702 acres (30,570 sqft)
Owner	2 Individual Names on File
Last Sale	$555,000 (Dec 2009)
Tax Bill	$10,728 (2025)
Deeds & Mortgages	Jan 2022 Refinance Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`118-003-28`

Property Details

APN / Parcel Number

Primary APN	`118-003-28`
Alternative APNs	`FRAN M:233 L:029` `M:118 L:003=28`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,362 sqft Living Area
Gross Area	6,040 sqft
Basement Area	1,744 sqft
Unfinished Basement	1,744 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,570 sqft (0.702 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	118-003-28
Street Address	20 WINTERBERRY DR
City	FRANKLIN
State	MA
Zip	02038-4107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WINTERBERRY FARMS
Legal Lot Number	29
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	1
Census Block	1015
Census Tract	442103

Owner

20 Winterberry Dr is owned and occupied by two individuals who bought it in December 2009.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 WINTERBERRY DR, FRANKLIN, MA 02038-4107
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MIDDLESEX SAVINGS BANK
Mar 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Aug 2, 2018	Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2009 · Amount on File
Deed Sale	Dec 2, 2009 · Amount on File
Prior Sale	Dec 2, 2009 · Amount on File
Deed Document Number	2009132946
Deed Book / Page	27272 / 406
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	20 WINTERBERRY DR, FRANKLIN, MA 02038-4107
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040243-323
Date	Jan 14, 2022
Book Page	40243/323
Instrument	4103

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	20 WINTERBERRY DR, FRANKLIN, MA 02038-4107
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39132-86
Date	Mar 15, 2021
Book Page	39132/86
Instrument	33316

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2046

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	20 WINTERBERRY DR, FRANKLIN, MA 02038-4107
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36192-146
Date	Aug 2, 2018
Book Page	36192/146
Instrument	67414

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 20 Winterberry Dr was $10,728, down 2.8% 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	$10,728.00 (-2.8%)	$923,200 (-1.38%) Land $375,000 Building $548,200	$1,179,900 (+9.79%)
2024	$11,037.00 (+8.76%)	$936,100 (+16.04%) Land $375,000 Building $561,100	$1,074,640
2023	$10,148.00	$806,700 Land $318,600 Building $488,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20 Winterberry Dr in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1979.

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	6 in force
Nearby Flood Claims	17 (1979–2023)
Claims Outside the SFHA	7 of 17
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Flooding, Oct 2005 · 3 claims Heavy Rains And Flooding, Jul 1998 · 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

Wildfire risk around 20 Winterberry Dr 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.

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 124 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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