778 Franklin St, Worcester, MA 01604 Property Records

Worcester County and Worcester City property record for 778 Franklin St, Worcester, MA 01604

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,063 sqft · built 1996
Lot Size	0.097 acres (4,208 sqft)
Owner	Individual Name on Record
Last Sale	$242,000 (Jun 2015)
Tax Bill	$5,879 (2026)
Deeds & Mortgages	Apr 2023 Line of Credit Aug 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-024-000D1`

Property Details

APN / Parcel Number

Primary APN	`17-024-000D1`
Alternative APN	`WORC M:17 B:024 L:000D1`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,063 sqft Living Area
Gross Area	3,213 sqft
1st Floor Area	982 sqft
Attic	Attic
Attic Area	621 sqft
Basement Area	372 sqft
Unfinished Basement	372 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,208 sqft (0.097 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	17-024-000D1
Street Address	778 FRANKLIN ST
City	WORCESTER
State	MA
Zip	01604-1768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL-7
Legal Block	24
Legal Lot Number	D1
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2005
Census Tract	732202

Owner

Source: Worcester County and Worcester 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	778 FRANKLIN ST, WORCESTER, MA 01604-1768
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Aug 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Aug 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
May 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2015 · Amount on Record
Deed Sale	Jun 1, 2015 · Amount on Record
Prior Sale	Aug 31, 2004 · Amount on Record
Deed Book / Page	53794 / 313
Transfer Doc	053794-313
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	778 FRANKLIN ST, WORCESTER, MA 01604-1768
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	069067-334
Date	Apr 27, 2023
Book Page	69067/334
Instrument	32126

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	May 1, 2063

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	778 FRANKLIN ST, WORCESTER, MA 01604-1768
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	065889-283
Date	Aug 23, 2021
Book Page	65889/283
Instrument	117837

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

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

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	778 FRANKLIN ST, WORCESTER, MA 01604-1768
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65889-283
Date	Aug 23, 2021
Book Page	65889/283
Instrument	117837

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	778 FRANKLIN ST, WORCESTER, MA 01604-1768
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	60441-359
Date	May 22, 2019
Book Page	60441/359
Instrument	46298

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2034

Tax Assessment & Valuation

Source: Worcester County and Worcester City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,879.00 (+4.76%)	$442,700 (+4.04%) Land $91,100 Building $351,600	$505,069
2025	$5,612.00 (+11.17%)	$425,500 (+20.88%) Land $86,700 Building $338,800
2023	$5,048.00	$352,000 Land $75,400 Building $276,600

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 November 30, 2025 · 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
Community Rating System	Class 7 (15% premium discount)
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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people · EPA ID MA2348000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2022–2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 442 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: AT&T.

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