22 James St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 22 James St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,540 sqft · built 1983
Lot Size	0.383 acres (16,666 sqft)
Owner	2 Individual Names on Record
Last Sale	$405,000 (Apr 2013)
Tax Bill	$8,118 (2025)
Deeds & Mortgages	Oct 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`57-041`

Property Details

APN / Parcel Number

Primary APN	`57-041`
Alternative APNs	`FRAN M:297 L:095` `M:057 L:041`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,540 sqft Living Area
Gross Area	4,722 sqft
Basement Area	1,680 sqft
Unfinished Basement	1,680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,666 sqft (0.383 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	57-041
Street Address	22 JAMES ST
City	FRANKLIN
State	MA
Zip	02038-2433
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	EVERETT C BROWN
Legal Lot Number	95
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	2
Census Block	2010
Census Tract	442204

Owner

Source: Norfolk County and Franklin Town City records, as of July 20, 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 Record
Mailing Address	22 JAMES ST, FRANKLIN, MA 02038-2433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2013 · Amount on Record
Deed Sale	Apr 30, 2013 · Amount on Record
Prior Sale	Apr 30, 2013 · Amount on Record
Deed Book / Page	31285 / 239
Transfer Doc	3128000239
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	22 JAMES ST, FRANKLIN, MA 02038-2433
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039938-145
Date	Oct 7, 2021
Book Page	39938/145
Instrument	129220

Lender

Name	PAWTUCKET CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

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	$8,118.00 (+5.63%)	$698,600 (+7.18%) Land $236,900 Building $461,700	$785,460 (+6.41%)
2024	$7,685.00 (-1.39%)	$651,800 (+5.21%) Land $236,900 Building $414,900	$738,150
2023	$7,793.00	$619,500 Land $258,600 Building $360,900

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 305 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