282 Main St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 282 Main St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,749 sqft · built 1890
Lot Size	0.16 acres (6,948 sqft)
Owner	Individual Name on File
Last Sale	$615,000 (May 2024)
Tax Bill	$7,636 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`84-022`

Property Details

APN / Parcel Number

Primary APN	`84-022`
Alternative APNs	`FRAN M:268 L:006` `M:084 L:022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,749 sqft Living Area
Gross Area	3,945 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,948 sqft (0.16 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	84-022
Street Address	282 MAIN ST
City	FRANKLIN
State	MA
Zip	02038-1820
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	6
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	3
Census Block	3001
Census Tract	442101

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Franklin Common Historic District listed 2005 · 80 contributing resources · NRIS 05000218

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

282 Main St is owned and occupied by an individual who bought it in May 2024.

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

Owner of Record	Individual Name on File
Mailing Address	282 MAIN ST, FRANKLIN, MA 02038-1820
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Jun 10, 2026	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTY MORTGAGE INC
Jul 29, 2025	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC
Dec 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DREW MORTGAGE ASSOCIATES INC
Jan 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2024 · Amount on File
Deed Sale	May 20, 2024 · Amount on File
Prior Sale	Jul 25, 2014 · Amount on File
Deed Document Number	202430266
Deed Book / Page	41783 / 478
Transfer Doc	032420-395
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Recording Date	Jun 10, 2026
Property Address	282 MAIN ST, FRANKLIN, MA 02038-1820
Document Number	0043163-35
Book / Page	43163 / 35
Instrument Date	May 13, 2026
Instrument	202639331
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	282 MAIN ST, FRANKLIN, MA 02038-1820

Mortgage

Document Number	0000039331,
Date	Jun 10, 2026
Book Page	43163/35
Instrument	202639331

Lender

Name	CROSSCOUNTY MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	282 MAIN ST, FRANKLIN, MA 02038-1820
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0042553-19
Date	Jul 29, 2025
Book Page	42553/19
Instrument	51260

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	282 MAIN ST, FRANKLIN, MA 02038-1820
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38714-460
Date	Dec 9, 2020
Book Page	38714/460
Instrument	138710

Lender

Name	DREW MORTGAGE ASSOCIATES INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2052

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	282 MAIN ST, FRANKLIN, MA 02038-1820
Document Number	36595-437
Instrument Date	Jan 19, 2019
Transaction Type	Mortgage
Record Updated	Feb 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	282 MAIN ST FRANKLIN MA 020381820, FRANKLIN, MA 02038-1820

Mortgage

Document Number	36595-437
Date	Feb 5, 2019
Book Page	036595/000437
Instrument	8717

Lender

Name	PENNYMAC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 4, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 282 Main St was $7,636, up 4.3% 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	$7,636.00 (+4.29%)	$657,100 (+5.81%) Land $234,500 Building $422,600	$624,910 (+9.21%)
2024	$7,322.00 (-1.74%)	$621,000 (+4.83%) Land $234,500 Building $386,500	$572,185
2023	$7,452.00	$592,400 Land $255,900 Building $336,500

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

Flood

FEMA maps place 282 Main St 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	1 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 282 Main 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 99.1% of the US · lower than 98.7% 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 287 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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