Norfolk County and Franklin Town City property record for 3 Florence St, Franklin, MA 02038
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,846 sqft · built 1985 |
| Lot Size | 0.907 acres (39,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $385,000 (Jul 2005) |
| Tax Bill | $6,870 (2025) |
| Deeds & Mortgages | Mar 2022 Refinance Mar 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34-023 |
| Primary APN | 34-023 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,846 sqft Living Area |
| Gross Area | 4,196 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 936 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 39,500 sqft (0.907 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 34-023 |
|---|---|
| Street Address | 3 FLORENCE ST |
| City | FRANKLIN |
| State | MA |
| Zip | 02038-3508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 4 |
| Jurisdiction | FRANKLIN MA |
| Township / Civil Division | FRANKLIN TOWN |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 442203 |
3 Florence St is owned and occupied by two individuals who bought it in July 2005.
Source: Norfolk County and Franklin Town City records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 FLORENCE ST, FRANKLIN, MA 02038-3508 |
| 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.
| Date | Document |
|---|---|
| Mar 1, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance SHARON AND CRESCENT UNITED CREDIT UNION |
| Mar 19, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Mar 19, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Mar 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2005 · Amount on File |
| Deed Sale | Jul 28, 2005 · Amount on File |
| Prior Sale | Jun 30, 1995 · Amount on File |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MA |
| Property Address | 3 FLORENCE ST, FRANKLIN, MA 02038-3508 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001498867 |
|---|---|
| Date | Mar 1, 2022 |
| Instrument | 1498867 |
| Name | SHARON AND CRESCENT UNITED CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Apr 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MA |
| Property Address | 3 FLORENCE ST, FRANKLIN, MA 02038-3508 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001471714 |
|---|---|
| Date | Mar 19, 2021 |
| Instrument | 1471714 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MA |
| Property Address | 3 FLORENCE ST, FRANKLIN, MA 02038-3508 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1471714 |
|---|---|
| Date | Mar 19, 2021 |
| Instrument | 1471714 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MA |
| Property Address | 3 FLORENCE ST, FRANKLIN, MA 02038-3508 |
| Document Number | 0001441836 |
| Instrument Date | Mar 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3 FLORENCE ST FRANKLIN MA 020383508, FRANKLIN, MA 02038-3508 |
| Document Number | 0001441836 |
|---|---|
| Date | Mar 9, 2020 |
| Instrument | 1441836 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 8, 2035 |
The 2025 property tax bill for 3 Florence St was $6,870, up 12.9% from the year before.
Source: Norfolk County and Franklin Town City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Norfolk County |
| Municipality | Franklin Town City |
| Unified School District | Franklin School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,870.00 (+12.92%) | $591,200 (+14.57%) Land $248,700 Building $342,500 | $593,180 (+8.48%) |
| 2024 | $6,084.00 (+2.22%) | $516,000 (+9.07%) Land $248,700 Building $267,300 | $546,820 |
| 2023 | $5,952.00 | $473,100 Land $250,700 Building $222,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Florence 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 risk around 3 Florence 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 71 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 | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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