40 Elm St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 40 Elm St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 998 sqft · built 1961
Lot Size	0.355 acres (15,468 sqft)
Owner	2 Trust Names on Record
Last Sale	$17,000 (Jan 1970)
Tax Bill	$5,790 (2025)
Deeds & Mortgages	May 2023 Refinance Apr 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`131-032`

Property Details

APN / Parcel Number

Primary APN	`131-032`
Alternative APNs	`FRAN M:214 L:037` `M:131 L:032`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	998 sqft Living Area
Gross Area	2,896 sqft
Basement Area	968 sqft
Unfinished Basement	968 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,468 sqft (0.355 acres)
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	131-032
Street Address	40 ELM ST
City	FRANKLIN
State	MA
Zip	02038-1506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	37
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	3
Census Block	3004
Census Tract	442103

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 Trust Names on Record
Mailing Address	40 ELM ST, FRANKLIN, MA 02038-1506
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 1, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance KENNETH OGILVIE
Apr 19, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 1970 · Amount on Record
Deed Sale	Jan 13, 1970 · Amount on Record
Deed Book / Page	4643 / 242
Last Transfer Date	Apr 13, 2023
Transfer Doc	041149-353
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	40 ELM ST, FRANKLIN, MA 02038-1506
Transaction Type	Mortgage
Record Updated	May 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041168-487
Date	May 1, 2023
Book Page	41168/487
Instrument	25202

Lender

Name	KENNETH OGILVIE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN MA
Recording Date	Apr 19, 2023
Property Address	40 ELM ST, FRANKLIN, MA 02038-1506
Document Number	041149-353
Book / Page	41149 / 353
Instrument Date	Apr 13, 2023
Instrument	22394
Transaction Type	Transfer
Record Updated	May 5, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$5,790.00 (+1.76%)	$498,300 (+3.25%) Land $325,500 Building $172,800	$563,350 (-3.81%)
2024	$5,690.00 (-0.75%)	$482,600 (+5.9%) Land $325,500 Building $157,100	$585,675
2023	$5,733.00	$455,700 Land $282,700 Building $173,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	7 (1987–2011)
Most Recent Claim	Oct 2011 · Severe Storm
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims

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	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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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