28 Pine St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 28 Pine St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,124 sqft · built 1958
Lot Size	0.345 acres (15,033 sqft)
Owner	2 Individual Names on Record
Last Sale	$329,000 (Dec 2018)
Tax Bill	$6,178 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Aug 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`129-025`

Property Details

APN / Parcel Number

Primary APN	`129-025`
Alternative APNs	`FRAN M:222 L:014` `M:129 L:025`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,124 sqft Living Area
Gross Area	2,961 sqft
Basement Area	992 sqft
Unfinished Basement	992 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,033 sqft (0.345 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	129-025
Street Address	28 PINE ST
City	FRANKLIN
State	MA
Zip	02038-2623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	14
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	2
Census Block	2017
Census Tract	442103

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	2 Individual Names on Record
Mailing Address	28 PINE ST, FRANKLIN, MA 02038-2623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DIGITAL FCU
Aug 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Dec 9, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Dec 20, 2018	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2018 · Amount on Record
Deed Sale	Dec 20, 2018 · Amount on Record
Deed Document Number	2018113289
Deed Book / Page	36516 / 6
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	28 PINE ST, FRANKLIN, MA 02038-2623
Transaction Type	Mortgage
Record Updated	Jul 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041289-122
Date	Jul 5, 2023
Book Page	41289/122
Instrument	42279

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2043

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	28 PINE ST, FRANKLIN, MA 02038-2623
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38218-326
Date	Aug 17, 2020
Book Page	38218/326
Instrument	82980

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	28 PINE ST, FRANKLIN, MA 02038-2623
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37417-499
Date	Dec 9, 2019
Book Page	37417/499
Instrument	114933

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2051

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Dec 20, 2018
Property Address	28 PINE ST, FRANKLIN, MA 02038-2623
Document Number	36516-6
Book / Page	36516 / 6
Instrument Date	Dec 17, 2018
Instrument	113289
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
Relationship	Joint Tenants
Address	28 PINE ST, FRANKLIN, MA 02038-2623

Mortgage

Document Number	113290
Date	Dec 20, 2018
Instrument	113290

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$6,178.00 (+2.13%)	$531,700 (+3.63%) Land $325,400 Building $206,300	$480,700 (+4.09%)
2024	$6,049.00 (+2.25%)	$513,100 (+9.1%) Land $325,400 Building $187,700	$461,795
2023	$5,916.00	$470,300 Land $282,600 Building $187,700

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 94% 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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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