606 Oak St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 606 Oak St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,443 sqft · built 2009
Lot Size	0.556 acres (24,241 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Apr 2014)
Tax Bill	$9,415 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Aug 2021 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`99-177`

Property Details

APN / Parcel Number

Primary APN	`99-177`
Alternative APNs	`FRAN M:253 L:120-001` `M:253 L:120=001`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,443 sqft Living Area
Gross Area	6,117 sqft
Basement Area	1,876 sqft
Unfinished Basement	1,876 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,241 sqft (0.556 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	99-177
Street Address	606 OAK ST
City	FRANKLIN
State	MA
Zip	02038-2853
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	120-1
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	1
Census Block	1009
Census Tract	442104

Owner

606 Oak St is owned and occupied by two individuals who bought it in April 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	606 OAK ST, FRANKLIN, MA 02038-2853
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
Mar 17, 2022	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Aug 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKLAND TRUST CO
Oct 11, 2024	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Aug 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKLAND TRUST CO
May 1, 2018	Deed of Trust, Mortgage BLUE HILLS BANK
Jun 6, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance PROPONENT FCU
Aug 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage ROCKLAND TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2014 · Amount on File
Deed Sale	Apr 30, 2014 · Amount on File
Deed Book / Page	32211 / 43
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	606 OAK ST, FRANKLIN, MA 02038-2853
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	040394-152
Date	Mar 17, 2022
Book Page	40394/152
Instrument	23844

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	606 OAK ST, FRANKLIN, MA 02038-2853
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039734-204
Date	Aug 13, 2021
Book Page	39734/204
Instrument	105741

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	606 OAK ST, FRANKLIN, MA 02038-2853
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	042044-588
Date	Oct 11, 2024
Book Page	42044/588
Instrument	67157

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Nov 1, 2064

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	606 OAK ST, FRANKLIN, MA 02038-2853
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39734-204
Date	Aug 13, 2021
Book Page	39734/204
Instrument	105741

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	606 OAK ST, FRANKLIN, MA 02038-2853
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35952-148
Date	May 1, 2018
Book Page	35952/148
Instrument	34055

Lender

Name	BLUE HILLS BANK

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	606 OAK ST, FRANKLIN, MA 02038-2853
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	36857-357
Date	Jun 6, 2019
Book Page	36857/357
Instrument	44516

Lender

Name	PROPONENT FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	606 OAK ST, FRANKLIN, MA 02038-2853
Document Number	37125-321
Instrument Date	Aug 30, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	606 OAK ST FRANKLIN MA 020382853, FRANKLIN, MA 02038-2853

Mortgage

Document Number	37125-321
Date	Sep 5, 2019
Book Page	037125/000321
Instrument	79083

Lender

Name	ROCKLAND TR

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 4, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 606 Oak St was $9,415, up 6.2% 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	$9,415.00 (+6.17%)	$810,200 (+7.71%) Land $238,800 Building $571,400	$857,945 (+8.43%)
2024	$8,868.00 (-0.3%)	$752,200 (+6.38%) Land $238,800 Building $513,400	$791,255
2023	$8,895.00	$707,100 Land $260,700 Building $446,400

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

Flood

FEMA maps place 606 Oak 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	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

The area around 606 Oak St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 264 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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