322 Central St, Framingham, MA 01701 Property Records

Middlesex County and Framingham City property record for 322 Central St, Framingham, MA 01701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,283 sqft · built 1863
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Jul 2021)
Tax Bill	$8,488 (2026)
Deeds & Mortgages	Mar 2022 Line of Credit Dec 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`59-01-0139`

Property Details

APN / Parcel Number

Primary APN	`59-01-0139`
Alternative APNs	`FRAM M:059 B:01 L:0139 U:000` `M:618.0 B:0001 L:0036.0` `F_680033_2941190` `15578`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,283 sqft Living Area
Gross Area	4,745 sqft
1st Floor Area	1,211 sqft
Attic	Attic
Attic Area	1,072 sqft
Basement Area	1,072 sqft
Unfinished Basement	1,072 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1863
Effective Year Built	Effective 1966
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,700 sqft (0.59 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	15578
Street Address	322 CENTRAL ST
City	FRAMINGHAM
State	MA
Zip	01701-4148
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	PLAN 16356C
Legal Block	1
Legal Lot Number	139
Jurisdiction	FRAMINGHAM MA
Township / Civil Division	FRAMINGHAM
Census Block Group	3
Census Block	3016
Census Tract	383700

Owner

322 Central St is owned and occupied by two individuals who bought it in July 2021.

Source: Middlesex County and Framingham City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	322 CENTRAL ST, FRAMINGHAM, MA 01701-4148
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 3, 2022	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Dec 19, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 1, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MTG
Dec 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage ENVOY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2021 · Amount on File
Deed Sale	Jul 1, 2021 · Amount on File
Prior Sale	Jul 25, 2012 · Amount on File
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	322 CENTRAL ST, FRAMINGHAM, MA 01701-4148
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001908143
Date	Mar 3, 2022
Instrument	1908143

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	322 CENTRAL ST, FRAMINGHAM, MA 01701-4148
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001991285
Date	Dec 19, 2025
Instrument	1991285

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	289 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRAMINGHAM MA
Recording Date	Jul 1, 2021
Property Address	322 CENTRAL ST, FRAMINGHAM, MA 01701-4148
Document Number	1885201
Instrument Date	Jul 1, 2021
Instrument	1885201
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount on Record
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
Address	322 CENTRAL ST, FRAMINGHAM, MA 01701-4148

Mortgage

Document Number	1885202
Date	Jul 1, 2021
Instrument	1885202

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	322 CENTRAL ST, FRAMINGHAM, MA 01701-4148
Document Number	0001861799
Instrument Date	Nov 16, 2020
Transaction Type	Mortgage
Record Updated	Dec 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 CENTRAL ST FRAMINGHAM MA 017014148, FRAMINGHAM, MA 01701-4148

Mortgage

Document Number	0001861799
Date	Nov 24, 2020
Instrument	1861799

Lender

Name	ENVOY MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Nov 23, 2045

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	322 CENTRAL ST, FRAMINGHAM, MA 01701-4148
Document Number	0001832239
Instrument Date	Dec 16, 2019
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 CENTRAL ST FRAMINGHAM MA 017014148, FRAMINGHAM, MA 01701-4148

Mortgage

Document Number	0001832239
Date	Dec 20, 2019
Instrument	1832239

Lender

Name	ENVOY MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Dec 19, 2044

Tax Assessment & Valuation

The 2026 property tax bill for 322 Central St was $8,488, up 3.5% from the year before.

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	$8,488.00 (+3.52%)	$717,500 (+4.49%) Land $290,700 Building $415,300	$706,016 (-8.01%)
2025	$8,199.00 (+5.44%)	$686,700 (+10.03%) Land $276,900 Building $409,800	$767,505 (+3.13%)
2024	$7,776.00 (+5.81%)	$624,100 (+11.17%) Land $247,200 Building $376,900	$744,230
2023	$7,349.00	$561,400 Land $220,700 Building $340,700

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

Flood

FEMA maps place 322 Central St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1979.

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
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

Wildfire risk around 322 Central 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	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

Nearby Properties on Central St

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