651 Central St, Framingham, MA 01701 Property Records

Middlesex County and Framingham City property record for 651 Central St, Framingham, MA 01701

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,258 sqft · built 1948
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on File
Last Sale	$148,000 (Sep 1996)
Tax Bill	$7,571 (2026)
Deeds & Mortgages	Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`69-78-1544`

Property Details

APN / Parcel Number

Primary APN	`69-78-1544`
Alternative APNs	`FRAM M:069 B:78 L:1544 U:000` `M:366.0 B:0100 L:0005.A` `F_677141_2938542` `9248`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,258 sqft Living Area
Gross Area	3,542 sqft
1st Floor Area	1,258 sqft
Basement Area	1,258 sqft
Unfinished Basement	1,258 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,651 sqft (0.52 acres)
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	9248
Street Address	651 CENTRAL ST
City	FRAMINGHAM
State	MA
Zip	01701-4809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Subdivision	FRAMINGHAM
Legal Block	78
Legal Lot Number	1544
Jurisdiction	FRAMINGHAM MA
Township / Civil Division	FRAMINGHAM
Census Block Group	4
Census Block	4001
Census Tract	383600

Owner

651 Central St is owned and occupied by two individuals who bought it in September 1996.

Source: Middlesex County and Framingham City records, as of October 20, 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 File
Mailing Address	651 CENTRAL ST, FRAMINGHAM, MA 01701-4809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 1996 · Amount on File
Deed Sale	Sep 19, 1996 · Amount on File
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRAMINGHAM MA
Property Address	651 CENTRAL ST, FRAMINGHAM, MA 01701-4809
Document Number	69807-221
Book / Page	069807 / 000221
Instrument Date	Aug 12, 2017
Transaction Type	Mortgage
Record Updated	Sep 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69807-221
Date	Aug 22, 2017
Book Page	069807/000221
Instrument	134215

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 21, 2047

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	$7,571.00 (+3.34%)	$640,000 (+4.3%) Land $304,900 Building $304,400	$612,813 (+5.61%)
2025	$7,326.00 (+2.78%)	$613,600 (+7.25%) Land $290,400 Building $323,200	$580,260 (-6.49%)
2024	$7,128.00 (+6.15%)	$572,100 (+11.52%) Land $258,900 Building $313,200	$620,540
2023	$6,715.00	$513,000 Land $230,900 Building $282,100

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

Flood

FEMA maps place 651 Central St 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 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 651 Central St is low, with less than 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 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

Nearby Properties on Central St

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