39 McCarthy St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 39 McCarthy St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,351 sqft · built 1900
Lot Size	0.188 acres (8,168 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,359 (2025)
Deeds & Mortgages	Sep 2021 Refinance Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`65-034`

Property Details

APN / Parcel Number

Primary APN	`65-034`
Alternative APNs	`FRAN M:287 L:140` `M:065 L:034`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,351 sqft Living Area
Gross Area	2,519 sqft
Basement Area	885 sqft
Unfinished Basement	885 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	8,168 sqft (0.188 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	65-034
Street Address	39 MCCARTHY ST
City	FRANKLIN
State	MA
Zip	02038-2120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	140
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	4
Census Block	4007
Census Tract	442101

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	2 Individual Names on Record
Mailing Address	39 MCCARTHY ST, FRANKLIN, MA 02038-2120
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jun 15, 2018	Deed of Trust, Mortgage WELLS FARGO BANK NA
Jun 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2010
Deed Sale	Jan 28, 2010
Prior Sale	Jan 28, 2010
Deed Document Number	20109025
Deed Book / Page	27418 / 544
Transfer Doc	24259-353
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	39 MCCARTHY ST, FRANKLIN, MA 02038-2120
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039866-108
Date	Sep 20, 2021
Book Page	39866/108
Instrument	121039

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	39 MCCARTHY ST, FRANKLIN, MA 02038-2120
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36061-530
Date	Jun 15, 2018
Book Page	36061/530
Instrument	49203

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	39 MCCARTHY ST, FRANKLIN, MA 02038-2120
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37975-186
Date	Jun 15, 2020
Book Page	37975/186
Instrument	55510

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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	$5,359.00 (+3.68%)	$461,200 (+5.2%) Land $234,800 Building $226,400	$511,575 (+17.09%)
2024	$5,169.00 (-5.24%)	$438,400 (+1.11%) Land $234,800 Building $203,600	$436,905
2023	$5,455.00	$433,600 Land $256,300 Building $177,300

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 · 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	2 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

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 282 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

Cell Coverage

5G (outdoors only) and 4G LTE

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