4 Joseph Cir, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 4 Joseph Cir, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,476 sqft · built 1993
Lot Size	1.04 acres (45,390 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Jun 2004)
Tax Bill	$8,628 (2025)
Deeds & Mortgages	Aug 2022 Refinance Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`128-010-A`

Property Details

APN / Parcel Number

Primary APN	`128-010-A`
Alternative APNs	`FRAN M:211 L:002` `M:128 L:010=A`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,476 sqft Living Area
Gross Area	5,292 sqft
Basement Area	1,306 sqft
Unfinished Basement	1,306 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	45,390 sqft (1.04 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	128-010-A
Street Address	4 JOSEPH CIR
City	FRANKLIN
State	MA
Zip	02038-2669
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	2
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	2
Census Block	2011
Census Tract	442103

Owner

4 Joseph Cir is owned and occupied by two individuals who bought it in June 2004.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	4 JOSEPH CIR, FRANKLIN, MA 02038-2669
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Jul 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2004 · Amount on File
Deed Sale	Jun 25, 2004 · Amount on File
Prior Sale	Mar 14, 2003 · Amount on File
Deed Document Number	200411340
Deed Book / Page	21209 / 317
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	4 JOSEPH CIR, FRANKLIN, MA 02038-2669
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040750-20
Date	Aug 12, 2022
Book Page	40750/20
Instrument	72297

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	4 JOSEPH CIR, FRANKLIN, MA 02038-2669
Document Number	36985-250
Instrument Date	Jul 17, 2019
Transaction Type	Mortgage
Record Updated	Aug 6, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 JOSEPH CIR FRANKLIN MA 020382669, FRANKLIN, MA 02038-2669

Mortgage

Document Number	36985-250
Date	Jul 23, 2019
Book Page	036985/000250
Instrument	61472

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 22, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 4 Joseph Cir was $8,628, up 0.6% 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	$8,628.00 (+0.58%)	$742,500 (+2.05%) Land $336,200 Building $406,300	$754,015 (-2.06%)
2024	$8,578.00 (+3.42%)	$727,600 (+10.36%) Land $336,200 Building $391,400	$769,880
2023	$8,294.00	$659,300 Land $286,500 Building $372,800

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

Flood

FEMA maps place 4 Joseph Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2005.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	2 (2005–2010)
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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 4 Joseph Cir 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 96% of the US · lower than 92% 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	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 171 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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