36 Ruggles St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 36 Ruggles St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,421 sqft · built 1900
Lot Size	0.217 acres (9,474 sqft)
Owner	Individual Name on File
Last Sale	$470,000 (Sep 2025)
Tax Bill	$5,497 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`66-165`

Property Details

APN / Parcel Number

Primary APN	`66-165`
Alternative APNs	`FRAN M:279 L:257` `M:066 L:165`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,421 sqft Living Area
Gross Area	3,398 sqft
Basement Area	550 sqft
Unfinished Basement	550 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,474 sqft (0.217 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	66-165
Street Address	36 RUGGLES ST
City	FRANKLIN
State	MA
Zip	02038-1727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	FRANKLIN
Legal Lot Number	257
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	3
Census Block	3016
Census Tract	442204

Owner

36 Ruggles St is owned and occupied by an individual who bought it in September 2025.

Source: Norfolk County and Franklin Town City records, as of August 4, 2026

Owner of Record	Individual Name on File
Mailing Address	36 RUGGLES ST, FRANKLIN, MA 02038-1727
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Sep 8, 2025	Quit Claim Deed, Transfer · Conventional Mortgage NEW FED MORTGAGE CORP
Feb 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2025 · Amount on File
Deed Sale	Sep 8, 2025 · Amount on File
Prior Sale	Aug 3, 1998 · Amount on File
Deed Document Number	202562706
Deed Book / Page	42634 / 328
Record Updated	Oct 29, 2026

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Sep 8, 2025
Property Address	36 RUGGLES ST, FRANKLIN, MA 02038-1727
Document Number	042634-328
Book / Page	42634 / 328
Instrument Date	Sep 8, 2025
Instrument	62706
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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
Address	36 RUGGLES ST, FRANKLIN, MA 02038-1727

Mortgage

Document Number	0000062707
Date	Sep 8, 2025
Instrument	62707

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

Mortgage

Document Number	042634-348
Date	Sep 8, 2025
Book Page	42634/348
Instrument	62708

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	36 RUGGLES ST, FRANKLIN, MA 02038-1727
Document Number	34956-48
Instrument Date	Feb 24, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34956-48
Date	Mar 6, 2017
Book Page	034956/000048
Instrument	19780

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 5, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 36 Ruggles St was $5,497, up 8.2% 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	$5,497.00 (+8.19%)	$473,100 (+9.77%) Land $220,100 Building $253,000	$422,845 (-8.66%)
2024	$5,081.00 (+13.26%)	$431,000 (+20.86%) Land $220,100 Building $210,900	$462,935
2023	$4,486.00	$356,600 Land $203,600 Building $153,000

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

Flood

FEMA maps place 36 Ruggles 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	1 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 36 Ruggles 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.

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 293 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 · Fiber in parts of the area	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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