Norfolk County and Millis Town property record for 428 Union St, Millis, MA 02054
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,453 sqft · built 1964 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $379,900 (Jun 2017) |
| Tax Bill | $13,138 (2025) |
| Deeds & Mortgages | Oct 2021 Refinance Feb 2021 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | MILL M:020 B:0000002 |
| Primary APN | MILL M:020 B:0000002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,453 sqft Living Area |
| Gross Area | 4,581 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,682 sqft (0.36 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 428 UNION ST |
|---|---|
| City | MILLIS |
| State | MA |
| Zip | 02054-1126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 2 |
| Jurisdiction | MILLIS MA |
| Township / Civil Division | MILLIS |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 407101 |
428 Union St is owned and occupied by two individuals who bought it in June 2017.
Source: Norfolk County and Millis Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 428 UNION ST, MILLIS, MA 02054-1126 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 25, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Feb 10, 2021 | Deed of Trust, Mortgage · Line of Credit CHARLES RIVER BANK |
| Oct 25, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Feb 10, 2021 | Deed of Trust, Mortgage · Line of Credit CHARLES RIVER BANK |
| Feb 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Jun 20, 2017 | Quit Claim Deed, Transfer · Conventional with PMI FAIRWAY INDEPENDENT MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 20, 2017 · Amount on File |
| Deed Sale | Jun 20, 2017 · Amount on File |
| Prior Sale | Feb 26, 2010 · Amount on File |
| Transfer Doc | 0001380531 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLIS MA |
| Property Address | 428 UNION ST, MILLIS, MA 02054-1126 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001490214 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | 1490214 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 229 Months |
| Due | Nov 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLIS MA |
| Property Address | 428 UNION ST, MILLIS, MA 02054-1126 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001468538 |
|---|---|
| Date | Feb 10, 2021 |
| Instrument | 1468538 |
| Name | CHARLES RIVER BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLIS MA |
| Property Address | 428 UNION ST, MILLIS, MA 02054-1126 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1490214 |
|---|---|
| Date | Oct 25, 2021 |
| Instrument | 1490214 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 229 Months |
| Due | Nov 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLIS MA |
| Property Address | 428 UNION ST, MILLIS, MA 02054-1126 |
| Transaction Type | Mortgage |
| Record Updated | Mar 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1468538 |
|---|---|
| Date | Feb 10, 2021 |
| Instrument | 1468538 |
| Name | CHARLES RIVER BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLIS MA |
| Property Address | 428 UNION ST, MILLIS, MA 02054-1126 |
| Document Number | 0001440783 |
| Instrument Date | Feb 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 428 UNION ST MILLIS MA 020541126, MILLIS, MA 02054-1126 |
| Document Number | 0001440783 |
|---|---|
| Date | Feb 24, 2020 |
| Instrument | 1440783 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 23, 2040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MILLIS MA |
| Recording Date | Jun 20, 2017 |
| Property Address | 428 UNION ST, MILLIS, MA 02054-1126 |
| Document Number | 0001380531 |
| Instrument Date | Jun 1, 2017 |
| Instrument | 1380531 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $379.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 428 UNION ST MILLIS MA 020541126, MILLIS, MA 02054-1126 |
| Document Number | 1380534 |
|---|---|
| Date | Jun 20, 2017 |
| Instrument | 1380534 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 19, 2047 |
The 2025 property tax bill for 428 Union St was $13,138, up 9.2% from the year before.
Source: Norfolk County and Millis Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Norfolk County |
| County Subdivision | Millis Town |
| Unified School District | Millis School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,138.00 (+9.16%) | $801,100 (+9.29%) Land $234,600 Building $566,500 | $666,140 (+15.71%) |
| 2024 | $12,036.00 (+11.3%) | $733,000 (+18.55%) Land $216,500 Building $516,500 | $575,700 |
| 2023 | $10,814.00 | $618,300 Land $172,600 Building $445,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 Union 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 | 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 risk around 428 Union 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MILLIS WATER DEPT serves 9,055 people · EPA ID MA2187000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 155 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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