45 Dover Cir, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 45 Dover Cir, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,966 sqft · built 1990
Lot Size	0.689 acres (30,008 sqft)
Owner	2 Individual Names on Record
Last Sale	$761,000 (Nov 2021)
Tax Bill	$10,384 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`124-024`

Property Details

APN / Parcel Number

Primary APN	`124-024`
Alternative APNs	`FRAN M:220 L:030` `M:124 L:024`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,966 sqft Living Area
Gross Area	6,123 sqft
Basement Area	1,576 sqft
Unfinished Basement	1,576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,008 sqft (0.689 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	124-024
Street Address	45 DOVER CIR
City	FRANKLIN
State	MA
Zip	02038-4201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	30
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	1
Census Block	1010
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 Individual Names on Record
Mailing Address	45 DOVER CIR, FRANKLIN, MA 02038-4201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ONTO MORTGAGE
Sep 6, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2021 · Amount on Record
Deed Sale	Nov 12, 2021 · Amount on Record
Prior Sale	Sep 6, 2019 · Amount on Record
Deed Book / Page	40057 / 512
Record Updated	Oct 29, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Nov 12, 2021
Property Address	45 DOVER CIR, FRANKLIN, MA 02038-4201
Document Number	040057-512
Book / Page	40057 / 512
Instrument Date	Nov 12, 2021
Instrument	143536
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
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	45 DOVER CIR, FRANKLIN, MA 02038-4201

Mortgage

Document Number	0000143537
Date	Nov 12, 2021
Instrument	143537

Lender

Name	ONTO MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Sep 6, 2019
Property Address	45 DOVER CIR, FRANKLIN, MA 02038-4201
Document Number	037128-534
Book / Page	37128 / 534
Instrument Date	Aug 28, 2019
Instrument	79523
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
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
Address	45 DOVER CIR, FRANKLIN, MA 02038-4201

Mortgage

Document Number	0000079524
Date	Sep 6, 2019
Instrument	79524

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$10,384.00 (-2.94%)	$893,600 (-1.52%) Land $374,800 Building $518,800	$1,054,595 (+6.63%)
2024	$10,698.00 (+8.79%)	$907,400 (+16.08%) Land $374,800 Building $532,600	$989,045
2023	$9,834.00	$781,700 Land $318,500 Building $463,200

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 A, within 500 ft
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

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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