Middlesex County and Framingham City property record for 45 Oaks Rd, Framingham, MA 01702
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,935 sqft · built 1937 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $170,000 (Dec 1990) |
| Tax Bill | $7,071 (2026) |
| Deeds & Mortgages | Sep 2020 Refinance Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 112-81-0542 |
| Primary APN | 112-81-0542 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,935 sqft Living Area |
| Gross Area | 3,811 sqft |
| 1st Floor Area | 1,216 sqft |
| Basement Area | 1,073 sqft |
| Unfinished Basement | 1,073 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Attached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 5999 |
|---|---|
| Street Address | 45 OAKS RD |
| City | FRAMINGHAM |
| State | MA |
| Zip | 01702-5935 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 81 |
| Legal Lot Number | 542 |
| Jurisdiction | FRAMINGHAM MA |
| Township / Civil Division | FRAMINGHAM |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 383501 |
45 Oaks Rd is owned and occupied by two individuals who bought it in December 1990.
Source: Middlesex County and Framingham City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 OAKS RD, FRAMINGHAM, MA 01702-5935 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 1, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND |
| Apr 2, 2019 | Deed of Trust, Mortgage · FHA Mortgage CITIZENS BK/RI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 1990 · Amount on File |
| Deed Sale | Dec 31, 1990 · Amount on File |
| Prior Sale | Dec 31, 1990 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Property Address | 45 OAKS RD, FRAMINGHAM, MA 01702-5935 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75510-253 |
|---|---|
| Date | Sep 1, 2020 |
| Book Page | 75510/253 |
| Instrument | 151599 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Property Address | 45 OAKS RD, FRAMINGHAM, MA 01702-5935 |
| Document Number | 72431-16 |
| Instrument Date | Apr 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 45 OAKS RD FRAMINGHAM MA 017025935, FRAMINGHAM, MA 01702-5935 |
| Document Number | 72431-16 |
|---|---|
| Date | Apr 8, 2019 |
| Book Page | 072431/000016 |
| Instrument | 43269 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 7, 2049 |
The 2026 property tax bill for 45 Oaks Rd was $7,071, up 3% from the year before.
Source: Middlesex County and Framingham City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Framingham City |
| Unified School District | Framingham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,071.00 (+2.99%) | $597,700 (+3.95%) Land $278,400 Building $319,300 | $663,443 (+6.09%) |
| 2025 | $6,866.00 (-0.41%) | $575,000 (+3.92%) Land $265,200 Building $309,800 | $625,385 (+3.07%) |
| 2024 | $6,894.00 (+5.77%) | $553,300 (+11.13%) Land $236,800 Building $316,500 | $606,765 |
| 2023 | $6,518.00 | $497,900 Land $211,400 Building $286,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Oaks Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.
Source: FEMA National Flood Hazard Layer, effective September 10, 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 Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2007 · rainfall accumulation |
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 45 Oaks Rd is low, with less than 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 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FRAMINGHAM WATER DEPT. (MWRA) serves 72,362 people · EPA ID MA3100000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Apr 2024 |
| 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 206 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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