282 Prospect St, Franklin, MA 02038 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,044 sqft · built 1986
Lot Size	1.02 acres (44,605 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,119 (Apr 2021)
Tax Bill	$7,893 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-010`

Property Details

APN / Parcel Number

Primary APN	`28-010`
Alternative APNs	`FRAN M:309 L:009` `M:028 L:010`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,044 sqft Living Area
Gross Area	3,876 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	44,605 sqft (1.02 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	28-010
Street Address	282 PROSPECT ST
City	FRANKLIN
State	MA
Zip	02038-3441
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	9
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	1
Census Block	1020
Census Tract	442105

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	282 PROSPECT ST, FRANKLIN, MA 02038-3441
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA
Aug 8, 2019	Deed of Trust, Mortgage · Balloon Mortgage DEAN COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2021 · Amount on Record
Deed Sale	Apr 30, 2021 · Amount on Record
Prior Sale	Jul 25, 1996 · Amount on Record
Deed Document Number	202157351
Deed Book / Page	39343 / 586
Record Updated	Sep 20, 2026

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Apr 30, 2021
Property Address	282 PROSPECT ST, FRANKLIN, MA 02038-3441
Document Number	39343-586
Book / Page	39343 / 586
Instrument Date	Apr 30, 2021
Instrument	57351
Transaction Type	Transfer
Record Updated	May 14, 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	Tenants by the Entirety
Address	282 PROSPECT ST, FRANKLIN, MA 02038-3441

Mortgage

Document Number	57352
Date	Apr 30, 2021
Instrument	57352

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	282 PROSPECT ST, FRANKLIN, MA 02038-3441
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37042-361
Date	Aug 8, 2019
Book Page	37042/361
Instrument	68409

Lender

Name	DEAN COOPERATIVE BANK
Type	Bank

Agreement

Type	Balloon 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	$7,893.00 (+3.3%)	$679,300 (+4.81%) Land $335,000 Building $344,300	$819,185 (+3.01%)
2024	$7,641.00 (+0.57%)	$648,100 (+7.3%) Land $335,000 Building $313,100	$795,245
2023	$7,598.00	$604,000 Land $290,900 Building $313,100

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 · 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

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 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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