295 Prospect St, Franklin, MA 02038 Property Records

Norfolk County and Bellingham Town property record for 295 Prospect St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,921 sqft · built 1984
Lot Size	1.99 acres (86,684 sqft)
Owner	2 Individual Names on Record
Last Sale	$409,500 (Nov 2014)
Tax Bill	$7,517 (2025)
Deeds & Mortgages	Apr 2021 Refinance Apr 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`BELL M:0069 B:088I L:0000`

Property Details

APN / Parcel Number

Primary APN	`BELL M:0069 B:088I L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,921 sqft Living Area
Gross Area	4,221 sqft
Basement Area	1,386 sqft
Unfinished Basement	832 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	86,684 sqft (1.99 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	295 PROSPECT ST
City	FRANKLIN
State	MA
Zip	02038-3405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	88I
Jurisdiction	BELLINGHAM MA
Township / Civil Division	BELLINGHAM
Census Block Group	3
Census Block	3000
Census Tract	443104

Owner

Source: Norfolk County and Bellingham Town 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	295 PROSPECT ST, FRANKLIN, MA 02038-3405
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST SB
Apr 19, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2014 · Amount on Record
Deed Sale	Nov 21, 2014 · Amount on Record
Prior Sale	Jan 14, 1998 · Amount on Record
Deed Book / Page	32712 / 141
Transfer Doc	0027493-85
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELLINGHAM MA
Property Address	295 PROSPECT ST, FRANKLIN, MA 02038-3405
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039241-293
Date	Apr 6, 2021
Book Page	39241/293
Instrument	45293

Lender

Name	FIRST SB

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELLINGHAM MA
Property Address	295 PROSPECT ST, FRANKLIN, MA 02038-3405
Transaction Type	Mortgage
Record Updated	Feb 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036735-130
Date	Apr 19, 2019
Book Page	36735/130
Instrument	28453

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

Source: Norfolk County and Bellingham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Bellingham Town
Unified School District	Bellingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,517.00 (+4.29%)	$598,500 (+6.78%) Land $180,900 Building $417,600	$794,105 (+4.42%)
2024	$7,208.00 (+3.76%)	$560,500 (+5.3%) Land $165,200 Building $395,300	$760,475
2023	$6,947.00	$532,300 Land $157,300 Building $375,000

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	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

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
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 53 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

Nearby Properties on Prospect St

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