597 Central St, Framingham, MA 01701 Property Records

Middlesex County and Framingham City property record for 597 Central St, Framingham, MA 01701

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,012 sqft · built 1966
Lot Size	0.89 acres (38,768 sqft)
Owner	2 Individual Names on Record
Last Sale	$133,000 (May 1993)
Tax Bill	$7,589 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`70-88-0741`

Property Details

APN / Parcel Number

Primary APN	`70-88-0741`
Alternative APNs	`FRAM M:070 B:88 L:0741 U:000` `M:366.0 B:0100 L:0004.C` `F_678045_2938718` `9247`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,012 sqft Living Area
Gross Area	4,200 sqft
1st Floor Area	1,481 sqft
Basement Area	1,349 sqft
Unfinished Basement	1,349 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	38,768 sqft (0.89 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	9247
Street Address	597 CENTRAL ST
City	FRAMINGHAM
State	MA
Zip	01701-4809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	88
Legal Lot Number	741
Jurisdiction	FRAMINGHAM MA
Township / Civil Division	FRAMINGHAM
Census Block Group	4
Census Block	4001
Census Tract	383600

Owner

Source: Middlesex County and Framingham City records, as of October 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	597 CENTRAL ST, FRAMINGHAM, MA 01701-4809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Deed of Trust, Mortgage · Line of Credit
Apr 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ALIGN CREDIT UNION
Dec 11, 2018	Deed of Trust, Mortgage · Line of Credit ALIGN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 1993 · Amount on Record
Deed Sale	May 3, 1993 · Amount on Record
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Recording Date	Jun 23, 2026
Property Address	597 CENTRAL ST, FRAMINGHAM, MA 01701-4809
Document Number	0000075397
Book / Page	85774 / 117
Instrument Date	Jun 15, 2026
Instrument	202675397
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	597 CENTRAL ST, FRAMINGHAM, MA 01701-4809

Mortgage

Document Number	0000075397,
Date	Jun 23, 2026
Book Page	85774/117
Instrument	202675397

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate	6.36%
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	597 CENTRAL ST, FRAMINGHAM, MA 01701-4809
Transaction Type	Mortgage
Record Updated	Apr 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77486-210
Date	Apr 12, 2021
Book Page	77486/210
Instrument	81729

Lender

Name	ALIGN CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	597 CENTRAL ST, FRAMINGHAM, MA 01701-4809
Document Number	72019-389
Instrument Date	Dec 11, 2018
Transaction Type	Mortgage
Record Updated	Jan 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	597 CENTRAL ST FRAMINGHAM MA 017014809, FRAMINGHAM, MA 01701-4809

Mortgage

Document Number	72019-389
Date	Dec 17, 2018
Book Page	072019/000389
Instrument	1396

Lender

Name	ALIGN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$7,589.00 (+2.18%)	$641,500 (+3.14%) Land $323,100 Building $308,200	$740,424 (+11.42%)
2025	$7,427.00 (+4.02%)	$622,000 (+8.55%) Land $307,700 Building $314,300	$664,525 (+2.73%)
2024	$7,140.00 (+5.5%)	$573,000 (+10.83%) Land $274,100 Building $298,900	$646,855
2023	$6,768.00	$517,000 Land $244,500 Building $272,500

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 September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 individual policies
Nearby Flood Policies	42 units insured incl. 32 condo units
Nearby Flood Claims	31 (1979–2023)
Claims Outside the SFHA	4 of 31
Most Recent Claim	Dec 2023 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 5 claims Severe Storms & Flooding, Apr 1987 · 6 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 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 209 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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