320 Central St, Framingham, MA 01701 Property Records

Middlesex County and Framingham City property record for 320 Central St, Framingham, MA 01701

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 988 sqft · built 1954
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$605,000 (May 2026)
Tax Bill	$6,453 (2026)
Deeds & Mortgages	Sep 2021 Refinance May 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`59-91-8136`

Property Details

APN / Parcel Number

Primary APN	`59-91-8136`
Alternative APNs	`FRAM M:059 B:91 L:8136 U:000` `F_679840_2941166` `15583`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
Gross Area	2,223 sqft
1st Floor Area	988 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	15583
Street Address	320 CENTRAL ST
City	FRAMINGHAM
State	MA
Zip	01701-4148
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	91
Legal Lot Number	8136
Jurisdiction	FRAMINGHAM MA
Township / Civil Division	FRAMINGHAM
Census Block Group	3
Census Block	3016
Census Tract	383700

Owner

Source: Middlesex County and Framingham City records, as of October 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	46 ENGLEWOOD AVE, 14, BRIGHTON, MA 02135-7860
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
May 29, 2026	Deed of Trust, Mortgage MASSACHUSETTS HSNG PARTNER FUN
May 29, 2026	Quit Claim Deed, Transfer · Conventional Mortgage EASTERN BANK
Sep 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jan 31, 2020	Quit Claim Deed, Subdivision Related Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2026 · Amount on Record
Deed Sale	May 29, 2026 · Amount on Record
Prior Sale	Jan 31, 2020 · Amount on Record
Deed Document Number	20262000670
Prior Transfer Date	Oct 9, 2019
Prior Transfer Doc	1825724
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	320 CENTRAL ST, FRAMINGHAM, MA 01701-4148
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001894651
Date	Sep 24, 2021
Instrument	1894651

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Recording Date	May 29, 2026
Property Address	320 CENTRAL ST, FRAMINGHAM, MA 01701-4148
Document Number	0002000672
Instrument Date	May 29, 2026
Instrument	20262000672
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CENTRAL ST, FRAMINGHAM, MA 01701-4148

Mortgage

Document Number	0002000672,
Date	May 29, 2026
Instrument	20262000672

Lender

Name	MASSACHUSETTS HSNG PARTNER FUN

Agreement

Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.3%
Max Rate	-1%

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRAMINGHAM MA
Recording Date	May 29, 2026
Property Address	320 CENTRAL ST, FRAMINGHAM, MA 01701-4148
Document Number	0002000670
Instrument Date	May 18, 2026
Instrument	20262000670
Transaction Type	Transfer
Record Updated	Jun 17, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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
Relationship	Tenants by the Entirety

Mortgage

Date	May 29, 2026

Lender

Name	EASTERN BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	320 CENTRAL ST, FRAMINGHAM, MA 01701-4148
Transaction Type	Mortgage
Record Updated	Oct 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1894651
Date	Sep 24, 2021
Instrument	1894651

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

January 2020: Quit Claim Deed, Subdivision Related Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRAMINGHAM MA
Recording Date	Jan 31, 2020
Property Address	320 CENTRAL ST, FRAMINGHAM, MA 01701-4148
Document Number	0001835409
Instrument Date	Dec 30, 2019
Instrument	1835409
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,824.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CENTRAL ST FRAMINGHAM MA 017014148, FRAMINGHAM, MA 01701-4148

Mortgage

Document Number	1835410
Date	Jan 31, 2020
Instrument	1835410

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2050

Tax Assessment & Valuation

Source: Middlesex County and Framingham City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Framingham City
Unified School District	Framingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,453.00 (+3.38%)	$545,500 (+4.34%) Land $277,100 Building $268,400	$575,926 (+11.79%)
2025	$6,242.00 (+2.63%)	$522,800 (+7.11%) Land $263,900 Building $258,900	$515,185 (+3.1%)
2024	$6,082.00 (+5.32%)	$488,100 (+10.63%) Land $235,700 Building $252,400	$499,700
2023	$5,775.00	$441,200 Land $210,300 Building $230,900

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 September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	11 units insured incl. 2 condo units
Nearby Flood Claims	9 (1979–2000)
Most Recent Claim	Nov 2000 · other causes

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 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	FRAMINGHAM WATER DEPT. (MWRA) serves 72,362 people · EPA ID MA3100000
Water Source	Purchased surface water from MWRA
Last State Inspection	Apr 2024
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	None 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 334 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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