23 Concetta Way, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 23 Concetta Way, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,338 sqft · built 1996
Lot Size	0.536 acres (23,361 sqft)
Owner	2 Trust Names on File
Last Sale	$750,000 (Apr 2018)
Tax Bill	$11,204 (2025)
Deeds & Mortgages	Jan 2024 Transfer Nov 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`87-016-05`

Property Details

APN / Parcel Number

Primary APN	`87-016-05`
Alternative APNs	`FRAN M:265 L:058` `M:087 L:016=05`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,338 sqft Living Area
Gross Area	6,159 sqft
Basement Area	1,795 sqft
Unfinished Basement	1,795 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,361 sqft (0.536 acres)
Garage Type	Attached
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	87-016-05
Street Address	23 CONCETTA WAY
City	FRANKLIN
State	MA
Zip	02038-5208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	58
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	2
Census Block	2002
Census Tract	442203

Owner

23 Concetta Way is owner-occupied and held in a trust since April 2018.

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

Owner of Record	2 Trust Names on File
Mailing Address	23 CONCETTA WAY, FRANKLIN, MA 02038-5208
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Jan 24, 2024	Quit Claim Deed, Transfer Quitclaim
Nov 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION
Apr 17, 2018	Quit Claim Deed, Transfer LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2018 · Amount on File
Deed Sale	Apr 17, 2018 · Amount on File
Prior Sale	Aug 22, 2014 · Amount on File
Deed Book / Page	35916 / 406
Transfer Doc	035916-406
Record Updated	Oct 29, 2026

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Jan 24, 2024
Property Address	23 CONCETTA WAY, FRANKLIN, MA 02038-5208
Document Number	041612-295
Book / Page	41612 / 295
Instrument Date	Jan 19, 2024
Instrument	4717
Transaction Type	Transfer
Record Updated	Feb 9, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 CONCETTA WAY, FRANKLIN, MA 02038-5208

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	23 CONCETTA WAY, FRANKLIN, MA 02038-5208
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38641-538
Date	Nov 23, 2020
Book Page	38641/538
Instrument	130663

Lender

Name	HARVARD UNIVERSITY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Apr 17, 2018
Property Address	23 CONCETTA WAY, FRANKLIN, MA 02038-5208
Document Number	35916-406
Book / Page	35916 / 406
Instrument	29053
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	$86.89
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 CONCETTA WAY, FRANKLIN, MA 02038-5208

Mortgage

Document Number	359160408
Date	Apr 17, 2018
Instrument	35916/0408

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 17, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 23 Concetta Way was $11,204, down 2.5% 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	$11,204.00 (-2.46%)	$964,200 (-1.03%) Land $357,500 Building $606,700	$1,024,005 (-0.18%)
2024	$11,486.00 (+6.41%)	$974,200 (+13.54%) Land $357,500 Building $616,700	$1,025,810
2023	$10,794.00	$858,000 Land $341,600 Building $516,400

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

Flood

FEMA maps place 23 Concetta Way in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 23 Concetta Way 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	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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable · Fiber in parts of the area	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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