38 Ruggles St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 38 Ruggles St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,791 sqft · built 1945
Lot Size	0.184 acres (8,032 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Jan 2015)
Tax Bill	$7,039 (2025)
Deeds & Mortgages	Mar 2022 Refinance Jan 2023 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`66-166`

Property Details

APN / Parcel Number

Primary APN	`66-166`
Alternative APNs	`FRAN M:279 L:258` `M:066 L:166`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,791 sqft Living Area
Gross Area	3,528 sqft
Basement Area	1,044 sqft
Unfinished Basement	1,044 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	8,032 sqft (0.184 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	66-166
Street Address	38 RUGGLES ST
City	FRANKLIN
State	MA
Zip	02038-1727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	258
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	3
Census Block	3016
Census Tract	442204

Owner

38 Ruggles St is owned and occupied by an individual who bought it in January 2015.

Source: Norfolk County and Franklin Town City records, as of October 5, 2026

Owner of Record	Individual Name on File
Mailing Address	38 RUGGLES ST, FRANKLIN, MA 02038-1727
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 24, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Jan 25, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Jan 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 4, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Sep 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Sep 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jun 13, 2017	Deed of Trust, Mortgage MILFORD FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2015 · Amount on File
Deed Sale	Jan 30, 2015 · Amount on File
Prior Sale	Feb 28, 1996 · Amount on File
Deed Book / Page	32867 / 265
Transfer Doc	032867-265
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	38 RUGGLES ST, FRANKLIN, MA 02038-1727
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040410-577
Date	Mar 24, 2022
Book Page	40410/577
Instrument	25979

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	38 RUGGLES ST, FRANKLIN, MA 02038-1727
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041030-204
Date	Jan 25, 2023
Book Page	41030/204
Instrument	4721

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	38 RUGGLES ST, FRANKLIN, MA 02038-1727
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042874-559
Date	Jan 9, 2026
Book Page	42874/559
Instrument	1590

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	38 RUGGLES ST, FRANKLIN, MA 02038-1727
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041979-516
Date	Sep 4, 2024
Book Page	41979/516
Instrument	57999

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2054

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	38 RUGGLES ST, FRANKLIN, MA 02038-1727
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039829-76
Date	Sep 9, 2021
Book Page	39829/76
Instrument	116833

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	38 RUGGLES ST, FRANKLIN, MA 02038-1727
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39829-76
Date	Sep 9, 2021
Book Page	39829/76
Instrument	116833

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	38 RUGGLES ST, FRANKLIN, MA 02038-1727
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35183-390
Date	Jun 13, 2017
Book Page	35183/390
Instrument	51409

Lender

Name	MILFORD FSB
Type	Bank

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 38 Ruggles St was $7,039, up 10.2% 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	$7,039.00 (+10.16%)	$605,800 (+11.77%) Land $219,700 Building $386,100	$501,885 (-1.03%)
2024	$6,390.00 (+4.98%)	$542,000 (+12.01%) Land $219,700 Building $322,300	$507,110
2023	$6,087.00	$483,900 Land $203,200 Building $280,700

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

Flood

FEMA maps place 38 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 38 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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