854 Summer St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 854 Summer St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,158 sqft · built 1976
Lot Size	1.1 acres (48,221 sqft)
Owner	2 Individual Names on File
Last Sale	$585,000 (Jun 2023)
Tax Bill	$6,956 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-010`

Property Details

APN / Parcel Number

Primary APN	`19-010`
Alternative APNs	`FRAN M:331 L:026` `M:019 L:010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,158 sqft Living Area
Gross Area	2,379 sqft
Basement Area	990 sqft
Unfinished Basement	990 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	48,221 sqft (1.1 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	19-010
Street Address	854 SUMMER ST
City	FRANKLIN
State	MA
Zip	02038-2319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	ROYAL ST
Legal Lot Number	26
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	1
Census Block	1023
Census Tract	442201

Owner

854 Summer St is owned and occupied by two individuals who bought it in June 2023.

Source: Norfolk County and Franklin Town City records, as of August 4, 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	854 SUMMER ST, FRANKLIN, MA 02038-2319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jun 21, 2019	Deed of Trust, Mortgage · VA Mortgage ENVOY MTG
Mar 28, 2018	Quit Claim Deed, Transfer ENVOY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2023 · Amount on File
Deed Sale	Jun 23, 2023 · Amount on File
Prior Sale	Mar 28, 2018 · Amount on File
Deed Document Number	20231522656
Transfer Doc	0001397615
Record Updated	Oct 29, 2026

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Jun 23, 2023
Property Address	854 SUMMER ST, FRANKLIN, MA 02038-2319
Document Number	0001522656
Instrument Date	Jun 23, 2023
Instrument	1522656
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	Joint Tenants with Right of Survivorship
Address	854 SUMMER ST, FRANKLIN, MA 02038-2319

Mortgage

Document Number	0001522657
Date	Jun 23, 2023
Instrument	1522657

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	854 SUMMER ST, FRANKLIN, MA 02038-2319
Document Number	0001424338
Instrument Date	Jun 21, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	854 SUMMER ST FRANKLIN MA 020382319, FRANKLIN, MA 02038-2319

Mortgage

Document Number	0001424338
Date	Jun 26, 2019
Instrument	1424338

Lender

Name	ENVOY MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2049

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Mar 28, 2018
Property Address	854 SUMMER ST, FRANKLIN, MA 02038-2319
Document Number	0001397615
Instrument Date	Mar 22, 2018
Instrument	1397615
Transaction Type	Transfer
Record Updated	Apr 17, 2018

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	854 SUMMER ST FRANKLIN MA 020382319, FRANKLIN, MA 02038-2319

Mortgage

Document Number	1397616
Date	Mar 28, 2018
Instrument	1397616

Lender

Name	ENVOY MTG
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 27, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 854 Summer St was $6,956, up 13% 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	$6,956.00 (+12.98%)	$598,600 (+14.63%) Land $251,400 Building $347,200	$620,160 (+2.53%)
2024	$6,157.00 (-0.95%)	$522,200 (+5.69%) Land $251,400 Building $270,800	$604,865
2023	$6,216.00	$494,100 Land $253,500 Building $240,600

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

Flood

FEMA maps place 854 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 854 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

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