37 Cross St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 37 Cross St, Franklin, MA 02038

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 897 sqft · built 1988
Lot Size	0.442 acres (19,256 sqft)
Owner	Individual Name on Record
Last Sale	$405,000 (Apr 2026)
Tax Bill	$3,817 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`66-232-02`

Property Details

APN / Parcel Number

Primary APN	`66-232-02`
Alternative APNs	`FRAN M:286 L:048-002` `M:286 L:048=002`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	897 sqft Living Area
Gross Area	1,608 sqft
Basement Area	427 sqft
Unfinished Basement	427 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,256 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	66-232-02
Street Address	37 CROSS ST
City	FRANKLIN
State	MA
Zip	02038-1415
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Lot Number	48-2
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	1
Census Block	1001
Census Tract	442204

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	37 CROSS ST, 37, FRANKLIN, MA 02038-1415
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Condominium Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 7, 2017	Quit Claim Deed, Transfer · Conventional with PMI ROCKLAND CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2026 · Amount on Record
Deed Sale	Apr 29, 2026 · Amount on Record
Prior Sale	Nov 7, 2017 · Amount on Record
Deed Document Number	202627409
Deed Book / Page	43074 / 577
Record Updated	Sep 20, 2026

April 2026: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	FRANKLIN MA
Recording Date	Apr 29, 2026
Property Address	37 CROSS ST, FRANKLIN, MA 02038-1415
Document Number	043074-577
Book / Page	43074 / 577
Instrument Date	Apr 18, 2026
Instrument	2026.27409
Transaction Type	Transfer
Record Updated	May 21, 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
Address	37 CROSS ST, 37, FRANKLIN, MA 02038-1415

Mortgage

Date	Apr 29, 2026

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.22%
Max Rate	-1%

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Nov 7, 2017
Property Address	37 CROSS ST, FRANKLIN, MA 02038-1415
Document Number	35580-537
Book / Page	035580 / 000537
Instrument Date	Oct 19, 2017
Instrument	6522
Transaction Type	Transfer
Record Updated	Nov 28, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$238.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	37 CROSS ST #37 FRANKLIN MA 020381415, 37, FRANKLIN, MA 02038-1415

Mortgage

Document Number	35580-540
Date	Nov 7, 2017
Book Page	035580/000540
Instrument	6523

Lender

Name	ROCKLAND CU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 6, 2047

Tax Assessment & Valuation

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	$3,817.00 (+1.17%)	$328,500 (+2.66%) Building $328,500	$359,005 (+4.16%)
2024	$3,773.00 (+1.29%)	$320,000 (+8.07%) Building $320,000	$344,660
2023	$3,725.00	$296,100 Building $296,100

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 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

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	Direct burnable vegetation

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 297 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

May also be available: T-Mobile.

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