862 Summer St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 862 Summer St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,685 sqft · built 1976
Lot Size	0.554 acres (24,119 sqft)
Owner	Individual Name on File
Last Sale	$710,000 (Jul 2024)
Tax Bill	$7,388 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jan 2024 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`19-012`

Property Details

APN / Parcel Number

Primary APN	`19-012`
Alternative APNs	`FRAN M:332 L:001` `M:019 L:012`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,685 sqft Living Area
Gross Area	2,784 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	24,119 sqft (0.554 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	19-012
Street Address	862 SUMMER ST
City	FRANKLIN
State	MA
Zip	02038-2319
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PLAN 13520B
Legal Lot Number	1
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	1
Census Block	1023
Census Tract	442201

Owner

862 Summer St is owned and occupied by an individual who bought it in July 2024.

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

Owner of Record	Individual Name on File
Mailing Address	862 SUMMER ST, FRANKLIN, MA 02038-2319
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
May 12, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jan 18, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Mar 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CBC NATIONAL BANK
Jul 22, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE
Mar 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CBC NATIONAL BANK
Jul 26, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2024 · Amount on File
Deed Sale	Jul 22, 2024 · Amount on File
Prior Sale	Jul 26, 2017 · Amount on File
Transfer Doc	1383171
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	862 SUMMER ST, FRANKLIN, MA 02038-2319
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001520845
Date	May 12, 2023
Instrument	1520845

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	862 SUMMER ST, FRANKLIN, MA 02038-2319
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001531392
Date	Jan 18, 2024
Instrument	1531392

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	289 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	862 SUMMER ST, FRANKLIN, MA 02038-2319
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001471775
Date	Mar 19, 2021
Instrument	1471775

Lender

Name	CBC NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Jul 22, 2024
Property Address	862 SUMMER ST, FRANKLIN, MA 02038-2319
Document Number	0001539134
Instrument Date	Jul 22, 2024
Instrument	1539134
Transaction Type	Transfer
Record Updated	Oct 30, 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	Tenants by the Entirety
Address	862 SUMMER ST, FRANKLIN, MA 02038-2319

Mortgage

Document Number	0001539135
Date	Jul 22, 2024
Instrument	1539135

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	862 SUMMER ST, FRANKLIN, MA 02038-2319
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1471775
Date	Mar 19, 2021
Instrument	1471775

Lender

Name	CBC NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Jul 26, 2017
Property Address	862 SUMMER ST, FRANKLIN, MA 02038-2319
Document Number	0001383171
Instrument Date	Jul 14, 2017
Instrument	1383171
Transaction Type	Transfer
Record Updated	Aug 15, 2017

Transaction

Amount	Amount on Record
Tax	$425.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	862 SUMMER ST FRANKLIN MA 020382319, FRANKLIN, MA 02038-2319

Tax Assessment & Valuation

The 2025 property tax bill for 862 Summer St was $7,388, up 13.9% 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	$7,388.00 (+13.91%)	$635,800 (+15.58%) Land $244,800 Building $391,000	$660,535 (+0.35%)
2024	$6,486.00 (-1.56%)	$550,100 (+5.02%) Land $244,800 Building $305,300	$658,255
2023	$6,589.00	$523,800 Land $246,800 Building $277,000

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

Flood

FEMA maps place 862 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 862 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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