60 Ruggles St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 60 Ruggles St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,704 sqft · built 1920
Lot Size	0.234 acres (10,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Jul 2019)
Tax Bill	$6,016 (2025)
Deeds & Mortgages	Dec 2020 Refinance Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`75-222`

Property Details

APN / Parcel Number

Primary APN	`75-222`
Alternative APNs	`FRAN M:279 L:230` `M:075 L:222`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,704 sqft Living Area
Gross Area	3,404 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Colonial
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,197 sqft (0.234 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	75-222
Street Address	60 RUGGLES ST
City	FRANKLIN
State	MA
Zip	02038-1727
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	STETSON VILLAGE 03
Legal Lot Number	230
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	3
Census Block	3016
Census Tract	442204

Owner

Source: Norfolk County and Franklin Town City records, as of October 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	60 RUGGLES ST, FRANKLIN, MA 02038-1727
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Jul 26, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Feb 16, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2019 · Amount on Record
Deed Sale	Jul 26, 2019 · Amount on Record
Prior Sale	Nov 6, 2014 · Amount on Record
Deed Book / Page	36999 / 436
Prior Transfer Date	Jul 19, 2019
Prior Transfer Doc	36999-436
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	60 RUGGLES ST, FRANKLIN, MA 02038-1727
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38810-68
Date	Dec 30, 2020
Book Page	38810/68
Instrument	149087

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

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

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Jul 26, 2019
Property Address	60 RUGGLES ST, FRANKLIN, MA 02038-1727
Document Number	36999-436
Book / Page	36999 / 436
Instrument Date	Jul 19, 2019
Instrument	63211
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60 RUGGLES ST, FRANKLIN, MA 02038-1727

Mortgage

Document Number	63212
Date	Jul 26, 2019
Instrument	63212

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	60 RUGGLES ST, FRANKLIN, MA 02038-1727
Document Number	36631-424
Instrument Date	Feb 16, 2019
Transaction Type	Mortgage
Record Updated	Mar 12, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60 RUGGLES ST FRANKLIN MA 020381727, FRANKLIN, MA 02038-1727

Mortgage

Document Number	36631-424
Date	Feb 26, 2019
Book Page	036631/000424
Instrument	13838

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$6,016.00 (+8.95%)	$517,700 (+10.53%) Land $220,300 Building $297,400	$476,995 (+0.99%)
2024	$5,522.00 (+4.56%)	$468,400 (+11.58%) Land $220,300 Building $248,100	$472,340
2023	$5,281.00	$419,800 Land $203,800 Building $216,000

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 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	1 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

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	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	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 293 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 · Fiber in parts of the area	2,000 / 2,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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