21 Main St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 21 Main St, Franklin, MA 02038

Property Summary

Property Type	Bank, Financial Building
Details	5.5 ba · 21,358 sqft · built 1980
Lot Size	0.563 acres (24,546 sqft)
Owner	Company Name on Record
Tax Bill	$53,101 (2026)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`66-127`

Property Details

APN / Parcel Number

Primary APN	`66-127`
Alternative APNs	`FRAN M:279 L:170` `M:066 L:127`

Interior

Full Baths	5.5 Baths
Half Baths	7 Half Baths
Stories	3 Stories
Building Area	21,358 sqft Total Area
Gross Area	22,505 sqft
Basement Area	7,077 sqft
Finished Basement	6,434 sqft
Unfinished Basement	643 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,546 sqft (0.563 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	66-127
Street Address	21 MAIN ST
City	FRANKLIN
State	MA
Zip	02038-1957
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Legal Lot Number	170
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	3
Census Block	3011
Census Tract	442204

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	21 MAIN ST, FRANKLIN, MA 02038-1957
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	21 MAIN ST, FRANKLIN, MA 02038-1957
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37595-597
Date	Feb 12, 2020
Book Page	37595/597
Instrument	13038

Lender

Name	DEAN COOPERATIVE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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
2026	$53,101.00 (+1.15%)	$4,649,800 (+2.92%) Land $385,800 Building $4,223,900
2025	$52,496.00 (+1.17%)	$4,517,700 (+2.65%) Land $377,800 Building $4,139,900
2024	$51,889.00 (+4.16%)	$4,401,100 (+11.14%) Land $361,700 Building $4,039,400
2023	$49,818.00	$3,960,100 Land $329,500 Building $3,630,600

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

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

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	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 293 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 · Fiber in parts of the area	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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