22 Mechanic St, Franklin, MA 02038 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,632 sqft · built 1998
Lot Size	0.921 acres (40,101 sqft)
Owner	2 Individual Names on File
Last Sale	$669,900 (Jul 2024)
Tax Bill	$7,216 (2025)
Deeds & Mortgages	Dec 2020 Refinance Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`139-031`

Property Details

APN / Parcel Number

Primary APN	`139-031`
Alternative APNs	`FRAN M:206 L:091` `M:139 L:031`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,632 sqft Living Area
Gross Area	2,592 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,101 sqft (0.921 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	139-031
Street Address	22 MECHANIC ST
City	FRANKLIN
State	MA
Zip	02038-1011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	91
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	4
Census Block	4003
Census Tract	442103

Owner

22 Mechanic St is owned and occupied by two individuals who bought it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	22 MECHANIC ST, FRANKLIN, MA 02038-1011
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Dec 31, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA
Sep 8, 2017	Quit Claim Deed, Transfer FIRST BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2024 · Amount on File
Deed Sale	Jul 26, 2024 · Amount on File
Prior Sale	Sep 8, 2017 · Amount on File
Deed Book / Page	41908 / 592
Transfer Doc	035428-223
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	22 MECHANIC ST, FRANKLIN, MA 02038-1011
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38821-432
Date	Dec 31, 2020
Book Page	38821/432
Instrument	150594

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	169 Months
Due	Jan 1, 2035

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Sep 8, 2017
Property Address	22 MECHANIC ST, FRANKLIN, MA 02038-1011
Document Number	35428-223
Book / Page	35428 / 223
Instrument	85315
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56.89
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	354280225
Date	Sep 8, 2017
Instrument	35428/0225

Lender

Name	FIRST BANK INC

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 22 Mechanic St was $7,216, up 4.5% 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	$7,216.00 (+4.47%)	$621,000 (+6.01%) Land $248,600 Building $372,400	$623,105 (+0.2%)
2024	$6,907.00 (+3.68%)	$585,800 (+10.61%) Land $248,600 Building $337,200	$621,870
2023	$6,662.00	$529,600 Land $259,400 Building $270,200

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

Flood

FEMA maps place 22 Mechanic St 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
Nearby Flood Policies	6 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 22 Mechanic 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	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 113 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

Cell Coverage

5G (outdoors only) and 4G LTE

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