850 Summer St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 850 Summer St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,344 sqft · built 1976
Lot Size	1.09 acres (47,742 sqft)
Owner	2 Individual Names on File
Last Sale	$489,000 (Jul 2022)
Tax Bill	$6,347 (2025)
Deeds & Mortgages	Dec 2021 Refinance Jul 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-009`

Property Details

APN / Parcel Number

Primary APN	`19-009`
Alternative APN	`FRAN M:331 L:025`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
Gross Area	2,529 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,742 sqft (1.09 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	19-009
Street Address	850 SUMMER ST
City	FRANKLIN
State	MA
Zip	02038-2319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	25
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	1
Census Block	1023
Census Tract	442201

Owner

850 Summer St is owned and occupied by two individuals who bought it in July 2022.

Source: Norfolk County and Franklin Town City records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	850 SUMMER ST, FRANKLIN, MA 02038-2319
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER FIVE CENTS SAVINGS BANK
Jul 21, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE
Nov 22, 2021	Warranty Deed, Transfer · Stand-Alone Refinance WEBSTER FIVE CENTS SAVINGS BANK
Sep 7, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2022 · Amount on File
Deed Sale	Jul 21, 2022 · Amount on File
Prior Sale	Aug 11, 2014
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	850 SUMMER ST, FRANKLIN, MA 02038-2319
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001493405
Date	Dec 6, 2021
Instrument	1493405

Lender

Name	WEBSTER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2047

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Jul 21, 2022
Property Address	850 SUMMER ST, FRANKLIN, MA 02038-2319
Document Number	0001507110
Instrument Date	Jul 21, 2022
Instrument	1507110
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Amount	Amount on Record
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	850 SUMMER ST, FRANKLIN, MA 02038-2319

Mortgage

Document Number	0001507111
Date	Jul 21, 2022
Instrument	1507111

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MA
Recording Date	Nov 22, 2021
Property Address	850 SUMMER ST, FRANKLIN, MA 02038-2319
Document Number	0001492374
Instrument Date	Nov 19, 2021
Instrument	1492374
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	850 SUMMER ST, FRANKLIN, MA 02038-2319

Mortgage

Document Number	0001493405
Date	Nov 22, 2021
Instrument	1493405

Lender

Name	WEBSTER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	302 Months
Due	Jan 1, 2047

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MA
Recording Date	Sep 7, 2021
Property Address	850 SUMMER ST, FRANKLIN, MA 02038-2319
Document Number	1486597
Instrument Date	Aug 25, 2021
Instrument	1486597
Transaction Type	Transfer
Record Updated	Sep 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	850 SUMMER ST, FRANKLIN, MA 02038-2319

Tax Assessment & Valuation

The 2025 property tax bill for 850 Summer St was $6,347, up 11.9% from the year before.

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	$6,347.00 (+11.88%)	$546,200 (+13.51%) Land $250,200 Building $296,000	$570,285 (+2.74%)
2024	$5,673.00 (+1.56%)	$481,200 (+8.38%) Land $250,200 Building $231,000	$555,085
2023	$5,586.00	$444,000 Land $252,300 Building $191,700

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

Flood

FEMA maps place 850 Summer St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2023 · rainfall accumulation

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 850 Summer 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Summer St

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