5 Loretta Rd, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 5 Loretta Rd, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,181 sqft · built 1997
Lot Size	0.483 acres (21,057 sqft)
Owner	Individual Name on File
Last Sale	$189,900 (Sep 1997)
Tax Bill	$9,740 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Aug 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`49-027-01`

Property Details

APN / Parcel Number

Primary APN	`49-027-01`
Alternative APNs	`FRAN M:303 L:090` `M:049 L:027=01`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,181 sqft Living Area
Gross Area	6,043 sqft
Basement Area	1,687 sqft
Unfinished Basement	1,687 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,057 sqft (0.483 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	49-027-01
Street Address	5 LORETTA RD
City	FRANKLIN
State	MA
Zip	02038-2406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	90
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	2
Census Block	2010
Census Tract	442204

Owner

5 Loretta Rd is owned and occupied by an individual who bought it in September 1997.

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

Owner of Record	Individual Name on File
Mailing Address	5 LORETTA RD, FRANKLIN, MA 02038-2406
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
Jul 21, 2023	Deed of Trust, Mortgage · Line of Credit DEAN COOPERATIVE BANK
Aug 1, 2017	Deed of Trust, Mortgage · Line of Credit DEAN COOPERATIVE BANK
May 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DEAN COOPERATIVE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 1997 · Amount on File
Deed Sale	Sep 18, 1997 · Amount on File
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	5 LORETTA RD, FRANKLIN, MA 02038-2406
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	041317-274
Date	Jul 21, 2023
Book Page	41317/274
Instrument	46450

Lender

Name	DEAN COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	5 LORETTA RD, FRANKLIN, MA 02038-2406
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35328-317
Date	Aug 1, 2017
Book Page	35328/317
Instrument	71519

Lender

Name	DEAN COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	5 LORETTA RD, FRANKLIN, MA 02038-2406
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	37917-60
Date	May 28, 2020
Book Page	37917/60
Instrument	48766

Lender

Name	DEAN COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 5 Loretta Rd was $9,740, up 6.1% 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	$9,740.00 (+6.13%)	$838,200 (+7.68%) Land $244,000 Building $594,200	$855,570 (+7.53%)
2024	$9,177.00 (+6.96%)	$778,400 (+14.13%) Land $244,000 Building $534,400	$795,625
2023	$8,580.00	$682,000 Land $254,500 Building $427,500

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

Flood

FEMA maps place 5 Loretta Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 26, 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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5 Loretta Rd 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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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