7 Ray Hill, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 7 Ray Hill, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,260 sqft · built 1890
Lot Size	0.195 acres (8,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$412,000 (Jan 2026)
Tax Bill	$4,842 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Dec 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`65-094`

Property Details

APN / Parcel Number

Primary APN	`65-094`
Alternative APNs	`FRAN M:287 L:083` `M:065 L:094`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,260 sqft Living Area
Gross Area	2,340 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,499 sqft (0.195 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	65-094
Street Address	7 RAY HL
City	FRANKLIN
State	MA
Zip	02038-2124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	83
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	4
Census Block	4009
Census Tract	442101

Owner

Source: Norfolk County and Franklin Town City records, as of July 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	7 RAY HL, FRANKLIN, MA 02038-2124
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 2, 2021	Quit Claim Deed, Transfer Quitclaim
Mar 14, 2018	Deed of Trust, Mortgage · Closed-End Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2026 · Amount on Record
Deed Sale	Jan 30, 2026 · Amount on Record
Prior Sale	May 31, 2002 · Amount on Record
Deed Document Number	20266699
Deed Book / Page	42911 / 441
Record Updated	Oct 29, 2026

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Jan 30, 2026
Property Address	7 RAY HL, FRANKLIN, MA 02038-2124
Document Number	042911-441
Book / Page	42911 / 441
Instrument Date	Jan 30, 2026
Instrument	6699
Transaction Type	Transfer
Record Updated	Feb 18, 2026

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
Relationship	Tenants by the Entirety
Address	7 RAY HL, FRANKLIN, MA 02038-2124

Mortgage

Document Number	0000006700
Date	Jan 30, 2026
Instrument	6700

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Dec 2, 2021
Property Address	7 RAY HL, FRANKLIN, MA 02038-2124
Document Number	040122-263
Book / Page	40122 / 263
Instrument Date	Nov 12, 2021
Instrument	151401
Transaction Type	Transfer
Record Updated	Jan 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 RAY HL, FRANKLIN, MA 02038-2124

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	7 RAY HL, FRANKLIN, MA 02038-2124
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35849-115
Date	Mar 14, 2018
Book Page	35849/115
Instrument	19476

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

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	$4,842.00 (+6.98%)	$416,700 (+8.54%) Land $219,800 Building $196,900	$501,980 (+10.43%)
2024	$4,526.00 (+3.95%)	$383,900 (+10.92%) Land $219,800 Building $164,100	$454,575
2023	$4,354.00	$346,100 Land $203,400 Building $142,700

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	2 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 282 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ray Hill

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures