3 Stubb St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 3 Stubb St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1957
Lot Size	0.225 acres (9,814 sqft)
Owner	2 Individual Names on File
Last Sale	$229,900 (Oct 2013)
Tax Bill	$5,954 (2025)
Deeds & Mortgages	Jan 2021 Refinance May 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`74-107`

Property Details

APN / Parcel Number

Primary APN	`74-107`
Alternative APNs	`FRAN M:269 L:040` `M:074 L:107`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Gross Area	2,092 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,814 sqft (0.225 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	74-107
Street Address	3 STUBB ST
City	FRANKLIN
State	MA
Zip	02038-2019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	40
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	4
Census Block	4002
Census Tract	442101

Owner

3 Stubb St is owned and occupied by two individuals who bought it in October 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 STUBB ST, FRANKLIN, MA 02038-2019
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
Jan 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DEAN COOPERATIVE BANK
May 3, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2013 · Amount on File
Deed Sale	Oct 16, 2013 · Amount on File
Prior Sale	Oct 16, 2013 · Amount on File
Deed Book / Page	31826 / 553
Transfer Doc	3182000553
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	3 STUBB ST, FRANKLIN, MA 02038-2019
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0038860-35
Date	Jan 12, 2021
Book Page	38860/35
Instrument	4195

Lender

Name	DEAN COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2041

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	3 STUBB ST, FRANKLIN, MA 02038-2019
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039346-303
Date	May 3, 2021
Book Page	39346/303
Instrument	57604

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2046

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3 Stubb St was $5,954, up 2% 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	$5,954.00 (+1.99%)	$512,400 (+3.47%) Land $323,700 Building $188,700	$443,080 (+0.73%)
2024	$5,838.00 (+2.53%)	$495,200 (+9.41%) Land $323,700 Building $171,500	$439,850
2023	$5,694.00	$452,600 Land $281,100 Building $171,500

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

Flood

FEMA maps place 3 Stubb 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 3 Stubb St is low, with less than 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 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 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 287 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 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Stubb St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures