3 Cottage Ct, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 3 Cottage Ct, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,360 sqft · built 1900
Lot Size	0.227 acres (9,901 sqft)
Owner	Individual Name on File
Last Sale	$216,000 (Dec 2019)
Tax Bill	$5,335 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`66-017`

Property Details

APN / Parcel Number

Primary APN	`66-017`
Alternative APNs	`FRAN M:286 L:169` `M:066 L:017`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,360 sqft Living Area
Gross Area	2,464 sqft
Basement Area	704 sqft
Unfinished Basement	704 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	9,901 sqft (0.227 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	66-017
Street Address	3 COTTAGE CT
City	FRANKLIN
State	MA
Zip	02038-2210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	169
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	1
Census Block	1004
Census Tract	442204

Owner

3 Cottage Ct is owned and occupied by an individual who bought it in December 2019.

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

Owner of Record	Individual Name on File
Mailing Address	3 COTTAGE CT, FRANKLIN, MA 02038-2210
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 9, 2026	Deed of Trust, Mortgage TOP FLITE FINANCIAL INC
Mar 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Dec 24, 2019	Quit Claim Deed, Transfer · FHA Mortgage RADIUS FINANCIAL GROUP
Jul 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 24, 2019 · Amount on File
Deed Sale	Dec 24, 2019 · Amount on File
Prior Sale	Sep 25, 1996 · Amount on File
Deed Document Number	2019122499
Deed Book / Page	37472 / 430
Prior Transfer Date	Dec 9, 2019
Prior Transfer Doc	37472-430
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	3 COTTAGE CT, FRANKLIN, MA 02038-2210
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042972-272
Date	Mar 9, 2026
Book Page	42972/272
Instrument	14374

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	337 Months
Due	Apr 1, 2054

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	3 COTTAGE CT, FRANKLIN, MA 02038-2210
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039205-131
Date	Mar 30, 2021
Book Page	39205/131
Instrument	41117

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Dec 24, 2019
Property Address	3 COTTAGE CT, FRANKLIN, MA 02038-2210
Document Number	37472-430
Book / Page	37472 / 430
Instrument Date	Dec 9, 2019
Instrument	122499
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount 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	3 COTTAGE CT, FRANKLIN, MA 02038-2210

Mortgage

Document Number	122500
Date	Dec 24, 2019
Instrument	122500

Lender

Name	RADIUS FINANCIAL GROUP

Agreement

Type	FHA Mortgage
Amount	Amount on Record

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	3 COTTAGE CT, FRANKLIN, MA 02038-2210
Document Number	36200-63
Instrument Date	Jul 27, 2018
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 COTTAGE CT FRANKLIN MA 020382210, FRANKLIN, MA 02038-2210

Mortgage

Document Number	36200-63
Date	Aug 6, 2018
Book Page	036200/000063
Instrument	68644

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 5, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 3 Cottage Ct was $5,335, up 7.9% 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	$5,335.00 (+7.86%)	$459,100 (+9.44%) Land $220,200 Building $238,900	$519,745 (+25.91%)
2024	$4,946.00 (+4.26%)	$419,500 (+11.24%) Land $220,200 Building $199,300	$412,775
2023	$4,744.00	$377,100 Land $203,700 Building $173,400

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

Flood

FEMA maps place 3 Cottage Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 26, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3 Cottage Ct 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 282 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 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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