24 Cross St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 24 Cross St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,082 sqft · built 1900
Lot Size	0.354 acres (15,429 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Oct 2009)
Tax Bill	$6,008 (2025)
Deeds & Mortgages	Apr 2025 Line of Credit Aug 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`66-235`

Property Details

APN / Parcel Number

Primary APN	`66-235`
Alternative APNs	`FRAN M:286 L:050` `M:066 L:235`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,082 sqft Living Area
Gross Area	4,840 sqft
Basement Area	1,145 sqft
Unfinished Basement	1,145 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,429 sqft (0.354 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	66-235
Street Address	24 CROSS ST
City	FRANKLIN
State	MA
Zip	02038-1416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	50
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	1
Census Block	1000
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	Individual Name on Record
Mailing Address	24 CROSS ST, FRANKLIN, MA 02038-1416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance COLORADO FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2009 · Amount on Record
Deed Sale	Oct 28, 2009 · Amount on Record
Prior Sale	Jun 1, 2009 · Amount on Record
Deed Document Number	2009119556
Deed Book / Page	27169 / 443
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	24 CROSS ST, FRANKLIN, MA 02038-1416
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042322-460
Date	Apr 2, 2025
Book Page	42322/460
Instrument	19679

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	24 CROSS ST, FRANKLIN, MA 02038-1416
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38185-566
Date	Aug 6, 2020
Book Page	38185/566
Instrument	79176

Lender

Name	COLORADO FEDERAL SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

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	$6,008.00 (+11.49%)	$517,000 (+13.1%) Land $242,600 Building $274,400	$594,510 (+10.43%)
2024	$5,389.00 (-2.57%)	$457,100 (+3.96%) Land $242,600 Building $214,500	$538,365
2023	$5,531.00	$439,700 Land $244,600 Building $195,100

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
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	Indirect within 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 297 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

May also be available: T-Mobile.

Nearby Properties on Cross St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures