875 Upper Union St, Franklin, MA 02038 Property Records

Norfolk County and Franklin Town City property record for 875 Upper Union St, Franklin, MA 02038

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,302 sqft · built 1963
Lot Size	0.96 acres (41,826 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Jul 2022)
Tax Bill	$6,162 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Nov 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-006`

Property Details

APN / Parcel Number

Primary APN	`25-006`
Alternative APNs	`FRAN M:330 L:021` `M:025 L:006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,302 sqft Living Area
Gross Area	3,871 sqft
Basement Area	1,302 sqft
Unfinished Basement	1,302 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,826 sqft (0.96 acres)
Garage Type	Attached
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	25-006
Street Address	875 UPPER UNION ST
City	FRANKLIN
State	MA
Zip	02038-2583
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	21
Jurisdiction	FRANKLIN MA
Township / Civil Division	FRANKLIN TOWN
Census Block Group	1
Census Block	1016
Census Tract	442201

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	875 UPPER UNION ST, FRANKLIN, MA 02038-2583
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SHAMROCK HOME LOANS
Nov 19, 2018	Deed of Trust, Mortgage SANTANDER BANK NA
Aug 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance SANTANDER BANK NA
May 22, 2018	Quit Claim Deed, Transfer GMH MORTGAGE SERVICES LLC
May 22, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2022 · Amount on Record
Deed Sale	Jul 28, 2022 · Amount on Record
Prior Sale	May 22, 2018 · Amount on Record
Deed Book / Page	40713 / 356
Record Updated	Oct 29, 2026

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	Jul 28, 2022
Property Address	875 UPPER UNION ST, FRANKLIN, MA 02038-2583
Document Number	040713-356
Book / Page	40713 / 356
Instrument Date	Jul 28, 2022
Instrument	66994
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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	875 UPPER UNION ST, FRANKLIN, MA 02038-2583

Mortgage

Document Number	0000066995
Date	Jul 28, 2022
Instrument	66995

Lender

Name	SHAMROCK HOME LOANS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	875 UPPER UNION ST, FRANKLIN, MA 02038-2583
Transaction Type	Mortgage
Record Updated	Jun 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036441-162
Date	Nov 19, 2018
Book Page	36441/162
Instrument	103151

Lender

Name	SANTANDER BANK NA

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2033

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MA
Property Address	875 UPPER UNION ST, FRANKLIN, MA 02038-2583
Transaction Type	Mortgage
Record Updated	Jun 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037075-163
Date	Aug 20, 2019
Book Page	37075/163
Instrument	72733

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

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

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	May 22, 2018
Property Address	875 UPPER UNION ST, FRANKLIN, MA 02038-2583
Document Number	035998-175
Book / Page	35998 / 175
Instrument	40476
Transaction Type	Transfer
Record Updated	Jun 13, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49.75
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	875 UNION ST, FRANKLIN, MA 02038-2583

Mortgage

Document Number	0359980179
Date	May 22, 2018
Instrument	35998/0179

Lender

Name	GMH MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 22, 2048

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MA
Recording Date	May 22, 2018
Property Address	875 UPPER UNION ST, FRANKLIN, MA 02038-2583
Document Number	35998-172
Book / Page	035998 / 000172
Instrument Date	May 2, 2018
Instrument	40475
Transaction Type	Transfer
Record Updated	Jun 13, 2018

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	875 UNION ST FRANKLIN MA 020382583, FRANKLIN, MA 02038-2583

Tax Assessment & Valuation

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	$6,162.00 (+4.05%)	$530,300 (+5.57%) Land $243,200 Building $287,100	$636,975 (-3.8%)
2024	$5,922.00 (+0.2%)	$502,300 (+6.92%) Land $243,200 Building $259,100	$662,150
2023	$5,910.00	$469,800 Land $265,500 Building $204,300

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 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

875 Upper Union St, Franklin, MA 02038 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2022: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Upper Union St

Nearby Streets

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