490 Elm St, Framingham, MA 01701 Property Records

Middlesex County and Framingham City property record for 490 Elm St, Framingham, MA 01701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,988 sqft · built 1972
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (May 2002)
Tax Bill	$7,307 (2026)
Deeds & Mortgages	Aug 2024 Mortgage Aug 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-29-3573`

Property Details

APN / Parcel Number

Primary APN	`19-29-3573`
Alternative APNs	`FRAM M:019 B:29 L:3573 U:000` `M:654.0 B:0001 L:0014.B` `F_682372_2949530` `16191`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,988 sqft Living Area
Gross Area	3,400 sqft
1st Floor Area	1,104 sqft
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1976
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	16191
Street Address	490 ELM ST
City	FRAMINGHAM
State	MA
Zip	01701-3308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Subdivision	FRAMINGHAM & SUDBURY
Legal Block	29
Legal Lot Number	3573
Jurisdiction	FRAMINGHAM MA
Township / Civil Division	FRAMINGHAM
Census Block Group	2
Census Block	2000
Census Tract	383800

Owner

490 Elm St is owned and occupied by two individuals who bought it in May 2002.

Source: Middlesex County and Framingham City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	490 ELM ST, FRAMINGHAM, MA 01701-3308
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) ST ANNE CU
Aug 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU
Aug 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JEANNE D ARC CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2002 · Amount on File
Deed Sale	May 6, 2002 · Amount on File
Prior Sale	Aug 27, 1996 · Amount on File
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	490 ELM ST, FRAMINGHAM, MA 01701-3308
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001961914
Date	Aug 9, 2024
Instrument	1961914

Lender

Name	ST ANNE CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	85 Months
Due	Sep 1, 2031

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	490 ELM ST, FRAMINGHAM, MA 01701-3308
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001889699
Date	Aug 6, 2021
Instrument	1889699

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	490 ELM ST, FRAMINGHAM, MA 01701-3308
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1889699
Date	Aug 6, 2021
Instrument	1889699

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 490 Elm St was $7,307, up 3.4% from the year before.

Source: Middlesex County and Framingham City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Framingham City
Unified School District	Framingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,307.00 (+3.38%)	$617,700 (+4.34%) Land $284,700 Building $333,000	$709,941 (-8.14%)
2025	$7,068.00 (+2.97%)	$592,000 (+7.46%) Land $271,100 Building $320,900	$772,825 (-3.4%)
2024	$6,864.00 (+3.45%)	$550,900 (+8.68%) Land $242,200 Building $308,700	$799,995
2023	$6,635.00	$506,900 Land $216,100 Building $290,800

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

Flood

FEMA maps place 490 Elm St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.

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	2 (1979–1984)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 1984 · tidal / storm surge

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 490 Elm St 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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