643 Concord St, Framingham, MA 01702 Property Records

Middlesex County and Framingham City property record for 643 Concord St, Framingham, MA 01702

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 1,826 sqft · built 1917
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$316,000 (Dec 2020)
Tax Bill	$7,438 (2026)
Deeds & Mortgages	May 2021 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`102-02-8386`

Property Details

APN / Parcel Number

Primary APN	`102-02-8386`
Alternative APNs	`FRAM M:102 B:02 L:8386 U:000` `M:067.0 B:0132 L:0020.0` `F_680880_2932364` `1935`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,826 sqft Living Area
Gross Area	2,658 sqft
1st Floor Area	890 sqft
Basement Area	624 sqft
Unfinished Basement	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1966
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	1935
Street Address	643 CONCORD ST
City	FRAMINGHAM
State	MA
Zip	01702-6077
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1
Legal Block	2
Legal Lot Number	8386
Jurisdiction	FRAMINGHAM MA
Township / Civil Division	FRAMINGHAM
Census Block Group	1
Census Block	1005
Census Tract	383501

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	Individual Name on Record
Mailing Address	643 CONCORD ST, FRAMINGHAM, MA 01702-6077
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Dec 8, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK OF RHODE ISLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2020 · Amount on Record
Deed Sale	Dec 8, 2020 · Amount on Record
Prior Sale	May 4, 2007 · Amount on Record
Deed Document Number	2020232721
Deed Book / Page	76369 / 259
Prior Transfer Date	Dec 7, 2020
Prior Transfer Doc	76369-259
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	643 CONCORD ST, FRAMINGHAM, MA 01702-6077
Transaction Type	Mortgage
Record Updated	Jun 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77819-467
Date	May 20, 2021
Book Page	77819/467
Instrument	114678

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2046

Interest

Rate Type	Adjustable Rate

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRAMINGHAM MA
Recording Date	Dec 8, 2020
Property Address	643 CONCORD ST, FRAMINGHAM, MA 01702-6077
Document Number	76369-259
Book / Page	76369 / 259
Instrument Date	Dec 7, 2020
Instrument	232721
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	643 CONCORD ST, FRAMINGHAM, MA 01702-6077
Investor	Possibly a Property Investor

Mortgage

Document Number	232722
Date	Dec 8, 2020
Instrument	232722

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$7,438.00 (+9.54%)	$628,700 (+10.55%) Land $238,800 Building $359,500	$641,428
2025	$6,790.00 (+6.73%)	$568,700 (+11.38%) Land $217,100 Building $351,600
2024	$6,362.00 (+10.76%)	$510,600 (+16.36%) Land $194,500 Building $316,100
2023	$5,744.00	$438,800 Land $174,300 Building $264,500

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
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 98% of the US · lower than 96% 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 406 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	2,000 / 2,000
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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