Norfolk County and Franklin Town City property record for 489 Summer St, Franklin, MA 02038
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,528 sqft · built 1928 |
| Lot Size | 1.28 acres (55,975 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Mar 2012) |
| Tax Bill | $6,282 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Mar 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 42-006 |
| Primary APN | 42-006 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,528 sqft Living Area |
| Gross Area | 3,991 sqft |
| Basement Area | 984 sqft |
| Unfinished Basement | 984 sqft |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Architectural Style | Bungalow |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 55,975 sqft (1.28 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 42-006 |
|---|---|
| Street Address | 489 SUMMER ST |
| City | FRANKLIN |
| State | MA |
| Zip | 02038-1412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 10-4 |
| Jurisdiction | FRANKLIN MA |
| Township / Civil Division | FRANKLIN TOWN |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 442203 |
489 Summer St is owned and occupied by two individuals who acquired it in March 2020.
Source: Norfolk County and Franklin Town City records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 489 SUMMER ST, FRANKLIN, MA 02038-1412 |
| 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 |
|---|---|
| Jun 9, 2026 | Deed of Trust, Mortgage · Line of Credit ROCKLAND TRUST COMPANY |
| Mar 27, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance MAIN STREET BANK (MA) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 2012 · Amount on File |
| Deed Sale | Mar 23, 2012 · Amount on File |
| Prior Sale | Dec 31, 2009 · Amount on File |
| Last Transfer Date | Mar 25, 2020 |
| Transfer Doc | 0001442994 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MA |
| Recording Date | Jun 9, 2026 |
| Property Address | 489 SUMMER ST, FRANKLIN, MA 02038-1412 |
| Document Number | 0001571468 |
| Instrument Date | Jun 4, 2026 |
| Instrument | 20261571468 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 489 SUMMER ST, FRANKLIN, MA 02038-1412 |
| Document Number | 0001571468, |
|---|---|
| Date | Jun 9, 2026 |
| Instrument | 20261571468 |
| Name | ROCKLAND TRUST COMPANY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MA |
| Property Address | 489 SUMMER ST, FRANKLIN, MA 02038-1412 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001442995 |
|---|---|
| Date | Mar 27, 2020 |
| Instrument | 1442995 |
| Name | MAIN STREET BANK (MA) |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
The 2025 property tax bill for 489 Summer St was $6,282, up 11.5% from the year before.
Source: Norfolk County and Franklin Town City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Norfolk County |
| Municipality | Franklin Town City |
| Unified School District | Franklin School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,282.00 (+11.46%) | $540,600 (+13.1%) Land $254,100 Building $286,500 | $601,635 (+15.8%) |
| 2024 | $5,636.00 (-2.59%) | $478,000 (+3.94%) Land $254,100 Building $223,900 | $519,555 |
| 2023 | $5,786.00 | $459,900 Land $256,300 Building $203,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 489 Summer 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 489 Summer 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 147 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 |
May also be available: T-Mobile.
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