Norfolk County and Franklin Town City property record for 85 Cottage St, Franklin, MA 02038
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 1,615 sqft · built 1890 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $375,000 (Jul 2004) |
| Tax Bill | $7,419 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 66-040 |
| Primary APN | 66-040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,615 sqft Living Area |
| Gross Area | 3,594 sqft |
| Basement Area | 964 sqft |
| Unfinished Basement | 964 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Victorian |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Detached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 66-040 |
|---|---|
| Street Address | 85 COTTAGE ST |
| City | FRANKLIN |
| State | MA |
| Zip | 02038-2206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 206 |
| Jurisdiction | FRANKLIN MA |
| Township / Civil Division | FRANKLIN TOWN |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 442204 |
85 Cottage St is owned and occupied by two individuals who bought it in July 2004.
Source: Norfolk County and Franklin Town City records, as of April 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 85 COTTAGE ST, FRANKLIN, MA 02038-2206 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2004 · Amount on File |
| Deed Sale | Jul 30, 2004 · Amount on File |
| Prior Sale | Apr 26, 1994 · Amount on File |
| Deed Document Number | 200412052 |
| Deed Book / Page | 21360 / 413 |
| Transfer Doc | 0000000000 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 85 Cottage St was $7,419, up 5.2% from the year before.
Source: Norfolk County and Franklin Town City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Norfolk County |
| Municipality | Franklin Town City |
| Unified School District | Franklin School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,419.00 (+5.25%) | $638,500 (+6.79%) Land $235,400 Building $403,100 | |
| 2024 | $7,049.00 (-2.14%) | $597,900 (+4.42%) Land $235,400 Building $362,500 | $481,365 |
| 2023 | $7,203.00 | $572,600 Land $257,000 Building $315,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 85 Cottage St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 26, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 85 Cottage St is low, with 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 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.
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 |
| 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.
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 |
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