286 W Central St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 286 W Central St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,084 sqft · built 1900
Lot Size	0.147 acres (6,399 sqft)
Owner	2 Individual Names on File
Last Sale	$489,900 (Jul 2025)
Tax Bill	$4,708 (2025)
Deeds & Mortgages	Jul 2025 Sale & Refinance Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`74-015`

Property Details

APN / Parcel Number

Primary APN	`74-015`
Alternative APNs	`FRAN M:278 L:033` `M:074 L:015`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,084 sqft Living Area
Gross Area	1,796 sqft
Basement Area	390 sqft
Unfinished Basement	390 sqft

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	6,399 sqft (0.147 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	74-015
Street Address	286 W CENTRAL ST
City	FRANKLIN
State	MA
Zip	02038-2155
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	33
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	4
Census Block	4005
Census Tract	442101

Owner

286 W Central St is owned and occupied by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	286 W CENTRAL ST, FRANKLIN, MA 02038-2155
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jul 2, 2025	Quit Claim Deed, Transfer · Stand-Alone Refinance ROCKLAND TRUST CO
Jul 27, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Oct 6, 2017	Quit Claim Deed, Transfer WASHINGTON TRUST MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2025 · Amount on File
Deed Sale	Jul 2, 2025 · Amount on File
Prior Sale	Jul 27, 2021 · Amount on File
Deed Book / Page	42503 / 526
Record Updated	Oct 29, 2026

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Jul 2, 2025
Property Address	286 W CENTRAL ST, FRANKLIN, MA 02038-2155
Document Number	042503-526
Book / Page	42503 / 526
Instrument Date	Jul 2, 2025
Instrument	44262
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Amount	Amount on Record
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	286 W CENTRAL ST, FRANKLIN, MA 02038-2155

Mortgage

Document Number	0000044263
Date	Jul 2, 2025
Instrument	44263

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Jul 27, 2021
Property Address	286 W CENTRAL ST, FRANKLIN, MA 02038-2155
Document Number	039669-440
Book / Page	39669 / 440
Instrument Date	Jul 27, 2021
Instrument	97380
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
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
Address	286 W CENTRAL ST, FRANKLIN, MA 02038-2155

Mortgage

Document Number	0000097381
Date	Jul 27, 2021
Instrument	97381

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Oct 6, 2017
Property Address	286 W CENTRAL ST, FRANKLIN, MA 02038-2155
Document Number	035502-306
Book / Page	35502 / 306
Instrument	95673
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38.68
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

Mortgage

Document Number	0355020310
Date	Oct 6, 2017
Instrument	35502/0310

Lender

Name	WASHINGTON TRUST MTG

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 6, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 286 W Central St was $4,708, up 2.9% 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	$4,708.00 (+2.91%)	$405,200 (+4.43%) Land $234,300 Building $170,900	$458,565 (+7.72%)
2024	$4,575.00 (-6.63%)	$388,000 (-0.39%) Land $234,300 Building $153,700	$425,695
2023	$4,900.00	$389,500 Land $255,800 Building $133,700

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

Flood

FEMA maps place 286 W Central 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	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 286 W Central St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on W Central St

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