42 Charles Dr, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 42 Charles Dr, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,746 sqft · built 1996
Lot Size	0.487 acres (21,209 sqft)
Owner	2 Trust Names on File
Last Sale	$721,000 (Apr 2022)
Tax Bill	$7,669 (2025)
Deeds & Mortgages	Apr 2026 Transfer Apr 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`132-031-3`

Property Details

APN / Parcel Number

Primary APN	`132-031-3`
Alternative APNs	`FRAN M:215 L:090` `M:132 L:031=3=1`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,746 sqft Living Area
Gross Area	3,660 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	21,209 sqft (0.487 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	132-031-3
Street Address	42 CHARLES DR
City	FRANKLIN
State	MA
Zip	02038-1067
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	COLE FARM ESTATES
Legal Lot Number	90
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	4
Census Block	4003
Census Tract	442103

Owner

42 Charles Dr is owner-occupied and held in a trust since April 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	42 CHARLES DR, FRANKLIN, MA 02038-1067
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Apr 15, 2026	Quit Claim Deed, Transfer Quitclaim
Apr 29, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENVISION BANK
Dec 28, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance GUILD MORTGAGE CO
Aug 18, 2018	Deed of Trust, Mortgage · Line of Credit METRO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2022 · Amount on File
Deed Sale	Apr 29, 2022 · Amount on File
Prior Sale	Jul 28, 2015 · Amount on File
Deed Document Number	202237460
Deed Book / Page	40499 / 175
Record Updated	Oct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Apr 15, 2026
Property Address	42 CHARLES DR, FRANKLIN, MA 02038-1067
Document Number	043047-138
Book / Page	43047 / 138
Instrument Date	Apr 13, 2026
Instrument	202623705
Transaction Type	Transfer
Record Updated	Aug 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 CHARLES DR, FRANKLIN, MA 02038-1067

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Apr 29, 2022
Property Address	42 CHARLES DR, FRANKLIN, MA 02038-1067
Document Number	040499-175
Book / Page	40499 / 175
Instrument Date	Apr 29, 2022
Instrument	37460
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	42 CHARLES DR, FRANKLIN, MA 02038-1067

Mortgage

Document Number	0000037461
Date	Apr 29, 2022
Instrument	37461

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Dec 28, 2021
Property Address	42 CHARLES DR, FRANKLIN, MA 02038-1067
Document Number	040200-454
Book / Page	40200 / 454
Instrument Date	Dec 26, 2021
Instrument	161536
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 CHARLES DR, FRANKLIN, MA 02038-1067

Mortgage

Document Number	0000161537
Date	Dec 28, 2021
Instrument	161537

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	42 CHARLES DR, FRANKLIN, MA 02038-1067
Document Number	36244-577
Instrument Date	Aug 18, 2018
Transaction Type	Mortgage
Record Updated	Sep 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 CHARLES DR FRANKLIN MA 020381067, FRANKLIN, MA 02038-1067

Mortgage

Document Number	36244-577
Date	Aug 23, 2018
Book Page	036244/000577
Instrument	75180

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 22, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 42 Charles Dr was $7,669, up 0.4% 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	$7,669.00 (+0.39%)	$660,000 (+1.87%) Land $328,400 Building $331,600	$807,120 (+2.62%)
2024	$7,639.00 (+3.95%)	$647,900 (+10.9%) Land $328,400 Building $319,500	$786,505
2023	$7,349.00	$584,200 Land $279,900 Building $304,300

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

Flood

FEMA maps place 42 Charles Dr 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
Nearby Flood Policies	6 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 42 Charles Dr 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	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 193 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
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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