220 Howard St, Framingham, MA 01702 Property Records

Middlesex County and Framingham City property record for 220 Howard St, Framingham, MA 01702

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	4 bd · 2 ba · 5,190 sqft · built 1926
Lot Size	0.33 acres (14,375 sqft)
Owner	Company Name on Record
Last Sale	$400,000 (Jul 2019)
Tax Bill	$12,486 (2026)
Deeds & Mortgages	Oct 2023 Refinance Nov 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`128-96-5494`

Property Details

APN / Parcel Number

Primary APN	`128-96-5494`
Alternative APNs	`FRAM M:128 B:96 L:5494 U:000` `M:005.0 B:0009 L:0018.0` `F_679593_2926443` `101`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	4 Half Baths
Total Rooms	8 Rooms
Units	6 Units
Stories	1 Story
Building Area	5,190 sqft Total Area
1st Floor Area	5,190 sqft

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1980
Exterior Material	Brick
Construction Type	Frame
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)

Utilities, Heating & Cooling

Heating System	Space Heater
Heating Fuel	Gas

Location & Zoning

Account Number	101
Street Address	220 HOWARD ST
City	FRAMINGHAM
State	MA
Zip	01702-8184
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	CB
Legal Subdivision	FRAMINGHAM
Legal Block	96
Legal Lot Number	5494
Jurisdiction	FRAMINGHAM MA
Township / Civil Division	FRAMINGHAM
Census Block Group	1
Census Block	1018
Census Tract	383401

Owner

Source: Middlesex County and Framingham 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	25 COLLINS RD, BERLIN, MA 01503-1026
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance MERRIMACK VALLEY FCU
Nov 27, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance RTN FEDERAL CREDIT UNION
Jul 16, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JORGE VINHA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2019 · Amount on Record
Deed Sale	Jul 16, 2019 · Amount on Record
Prior Sale	Apr 1, 1986 · Amount on Record
Deed Document Number	2019100795
Deed Book / Page	72931 / 5
Prior Transfer Date	Jul 1, 2019
Prior Transfer Doc	72931-5
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	220 HOWARD ST, FRAMINGHAM, MA 01702-8184
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082151-245
Date	Oct 30, 2023
Book Page	82151/245
Instrument	123318

Lender

Name	MERRIMACK VALLEY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	220 HOWARD ST, FRAMINGHAM, MA 01702-8184
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73738-219
Date	Nov 27, 2019
Book Page	73738/219
Instrument	188049

Lender

Name	RTN FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2034

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRAMINGHAM MA
Recording Date	Jul 16, 2019
Property Address	220 HOWARD ST, FRAMINGHAM, MA 01702-8184
Document Number	72931-5
Book / Page	72931 / 5
Instrument Date	Jul 1, 2019
Instrument	100795
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 COLLINS RD, BERLIN, MA 01503-1027

Mortgage

Document Number	100796
Date	Jul 16, 2019
Instrument	100796

Lender

Name	JORGE VINHA

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Framingham City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Framingham City
Unified School District	Framingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$12,486.00 (+3.28%)	$520,900 (+4.62%) Land $182,000 Building $303,200
2025	$12,089.00 (+5.63%)	$497,900 (+10.55%) Land $173,400 Building $324,500
2024	$11,445.00 (-12.82%)	$450,400 (-6.44%) Land $173,200 Building $277,200
2023	$13,128.00	$481,400 Land $157,600 Building $323,800

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 393 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
Astound Broadband Cable	1,500 / 50

May also be available: AT&T.

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