44 Dover Cir, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 44 Dover Cir, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,128 sqft · built 1991
Lot Size	0.805 acres (35,075 sqft)
Owner	2 Individual Names on File
Last Sale	$640,000 (Oct 2017)
Tax Bill	$10,162 (2025)
Deeds & Mortgages	Apr 2021 Refinance Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`124-014`

Property Details

APN / Parcel Number

Primary APN	`124-014`
Alternative APNs	`FRAN M:220 L:032` `M:124 L:014`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,128 sqft Living Area
Gross Area	5,735 sqft
Basement Area	1,462 sqft
Unfinished Basement	1,462 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,075 sqft (0.805 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	124-014
Street Address	44 DOVER CIR
City	FRANKLIN
State	MA
Zip	02038-1548
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	NINE GIBBS STREET
Legal Lot Number	32
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	1
Census Block	1012
Census Tract	442103

Owner

44 Dover Cir is owned and occupied by two individuals who bought it in October 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	44 DOVER CIR, FRANKLIN, MA 02038-1548
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Oct 19, 2017	Quit Claim Deed, Transfer · Conventional Mortgage TIAA-CREF TR CO FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2017 · Amount on File
Deed Sale	Oct 19, 2017 · Amount on File
Prior Sale	Jun 27, 2013 · Amount on File
Deed Book / Page	35531 / 133
Transfer Doc	035531-133
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	44 DOVER CIR, FRANKLIN, MA 02038-1548
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039295-574
Date	Apr 20, 2021
Book Page	39295/574
Instrument	51617

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Oct 19, 2017
Property Address	44 DOVER CIR, FRANKLIN, MA 02038-1548
Document Number	35531-133
Book / Page	035531 / 000133
Instrument Date	Oct 18, 2017
Instrument	99756
Transaction Type	Transfer
Record Updated	Nov 7, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	44 DOVER CIR FRANKLIN MA 020381548, FRANKLIN, MA 02038-1548

Mortgage

Document Number	35531-136
Date	Oct 19, 2017
Book Page	035531/000136
Instrument	99757

Lender

Name	TIAA-CREF TR CO FSB
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 18, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 44 Dover Cir was $10,162, down 2.9% 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	$10,162.00 (-2.92%)	$874,500 (-1.51%) Land $376,000 Building $498,500	$991,515 (+4.19%)
2024	$10,468.00 (+3.35%)	$887,900 (+10.27%) Land $376,000 Building $511,900	$951,615
2023	$10,129.00	$805,200 Land $319,500 Building $485,700

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

Flood

FEMA maps place 44 Dover Cir in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 1979.

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	17 (1979–2023)
Claims Outside the SFHA	7 of 17
Most Recent Claim	Dec 2023 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Flooding, Oct 2005 · 3 claims Heavy Rains And Flooding, Jul 1998 · 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

Wildfire risk around 44 Dover Cir 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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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