221 Water St, Framingham, MA 01701 Property Records

Middlesex County and Framingham City property record for 221 Water St, Framingham, MA 01701

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,280 sqft · built 1956
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$800,000 (Jul 2021)
Tax Bill	$9,990 (2026)
Deeds & Mortgages	Feb 2021 Refinance Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`49-03-4988`

Property Details

APN / Parcel Number

Primary APN	`49-03-4988`
Alternative APNs	`FRAM M:049 B:03 L:4988 U:000` `M:323.0 B:0006 L:0001.C` `F_680486_2943986` `8308`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,280 sqft Living Area
Gross Area	5,799 sqft
1st Floor Area	1,256 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1966
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8308
Street Address	221 WATER ST
City	FRAMINGHAM
State	MA
Zip	01701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	3
Legal Lot Number	4988
Jurisdiction	FRAMINGHAM MA
Township / Civil Division	FRAMINGHAM
Census Block Group	4
Census Block	4004
Census Tract	383800

Owner

221 Water St is owned and occupied by two individuals who bought it in July 2021.

Source: Middlesex County and Framingham City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	221 WATER ST, FRAMINGHAM, MA 01701
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
Feb 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Jul 30, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK OF CANTON
Apr 19, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2021 · Amount on File
Deed Sale	Jul 30, 2021 · Amount on File
Prior Sale	Jan 11, 1993 · Amount on File
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	221 WATER ST, FRAMINGHAM, MA 01701-3416
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076949-251
Date	Feb 12, 2021
Book Page	76949/251
Instrument	32490

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRAMINGHAM MA
Recording Date	Jul 30, 2021
Property Address	221 WATER ST, FRAMINGHAM, MA 01701-3416
Document Number	078372-539
Book / Page	78372 / 539
Instrument Date	Jul 30, 2021
Instrument	172126
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	221 WATER ST, FRAMINGHAM, MA 01701-3416

Mortgage

Document Number	0000172127
Date	Jul 30, 2021
Instrument	172127

Lender

Name	BANK OF CANTON
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	221 WATER ST, FRAMINGHAM, MA 01701-3416
Document Number	69234-289
Book / Page	069234 / 000289
Instrument Date	Apr 19, 2017
Transaction Type	Mortgage
Record Updated	May 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69234-289
Date	May 4, 2017
Book Page	069234/000289
Instrument	65831

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 221 Water St was $9,990, up 3.4% from the year before.

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	Assessed Market Value
2026	$9,990.00 (+3.44%)	$844,500 (+4.4%) Land $278,400 Building $539,100	$910,159 (-9.24%)
2025	$9,658.00 (-1.26%)	$808,900 (+3.04%) Land $265,200 Building $543,700	$1,002,820 (+5.96%)
2024	$9,781.00 (+4.23%)	$785,000 (+9.5%) Land $236,800 Building $548,200	$946,390
2023	$9,384.00	$716,900 Land $211,300 Building $505,600

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

Flood

FEMA maps place 221 Water St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 221 Water St is low, with less than 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 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 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 359 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 / 250
Astound Broadband Cable	1,500 / 50

May also be available: T-Mobile.

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