Norfolk County and Franklin Town City property record for 32 Cottage St, Franklin, MA 02038
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,350 sqft · built 1920 |
| Lot Size | 0.218 acres (9,483 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $345,000 (Nov 2018) |
| Tax Bill | $6,288 (2025) |
| Deeds & Mortgages | Sep 2021 Refinance Jun 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 66-311 |
| Primary APN | 66-311 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,350 sqft Living Area |
| Gross Area | 3,925 sqft |
| Basement Area | 1,000 sqft |
| Unfinished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 9,483 sqft (0.218 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 66-311 |
|---|---|
| Street Address | 32 COTTAGE ST |
| City | FRANKLIN |
| State | MA |
| Zip | 02038-2205 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 93 |
| Jurisdiction | FRANKLIN MA |
| Township / Civil Division | FRANKLIN TOWN |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 442204 |
32 Cottage St is owned and occupied by two individuals who bought it in November 2018.
Source: Norfolk County and Franklin Town City records, as of August 4, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 32 COTTAGE ST, FRANKLIN, MA 02038-2205 |
| 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 |
|---|---|
| Sep 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST GUARANTY MORTGAGE |
| Jun 29, 2019 | Deed of Trust, Mortgage · Conventional with PMI EMBRACE HM LOANS |
| Nov 9, 2018 | Quit Claim Deed, Transfer · Conventional with PMI EMBRACE HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 9, 2018 · Amount on File |
| Deed Sale | Nov 9, 2018 · Amount on File |
| Prior Sale | Jan 23, 2004 · Amount on File |
| Deed Document Number | 2018100827 |
| Deed Book / Page | 36425 / 48 |
| Transfer Doc | 0036425-48 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MA |
| Property Address | 32 COTTAGE ST, FRANKLIN, MA 02038-2205 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039803-291 |
|---|---|
| Date | Sep 1, 2021 |
| Book Page | 39803/291 |
| Instrument | 113941 |
| Name | FIRST GUARANTY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MA |
| Property Address | 32 COTTAGE ST, FRANKLIN, MA 02038-2205 |
| Document Number | 36950-212 |
| Instrument Date | Jun 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 32 COTTAGE ST FRANKLIN MA 020382205, FRANKLIN, MA 02038-2205 |
| Document Number | 36950-212 |
|---|---|
| Date | Jul 10, 2019 |
| Book Page | 036950/000212 |
| Instrument | 56842 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 9, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FRANKLIN MA |
| Recording Date | Nov 9, 2018 |
| Property Address | 32 COTTAGE ST, FRANKLIN, MA 02038-2205 |
| Document Number | 36425-48 |
| Book / Page | 036425 / 000048 |
| Instrument Date | Nov 5, 2018 |
| Instrument | 100827 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $345.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 32 COTTAGE ST FRANKLIN MA 020382205, FRANKLIN, MA 02038-2205 |
| Document Number | 36425-51 |
|---|---|
| Date | Nov 9, 2018 |
| Book Page | 036425/000051 |
| Instrument | 100828 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 8, 2028 |
The 2025 property tax bill for 32 Cottage St was $6,288, up 4.5% 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 | $6,288.00 (+4.54%) | $541,100 (+6.06%) Land $235,100 Building $306,000 | $527,535 (+1.87%) |
| 2024 | $6,015.00 (+2.3%) | $510,200 (+9.16%) Land $235,100 Building $275,100 | $517,845 |
| 2023 | $5,880.00 | $467,400 Land $256,600 Building $210,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 32 Cottage St 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 risk around 32 Cottage 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.
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 |
| 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.
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 |
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