Middlesex County and Framingham City property record for 95 Elm St, Framingham, MA 01701
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,640 sqft · built 2012 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $610,000 (May 2019) |
| Tax Bill | $10,259 (2026) |
| Deeds & Mortgages | Jul 2021 Refinance Jul 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-24-9789 |
| Primary APN | 40-24-9789 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,640 sqft Living Area |
| Gross Area | 5,728 sqft |
| 1st Floor Area | 1,320 sqft |
| Attic | Attic |
| Attic Area | 1,320 sqft |
| Basement Area | 1,320 sqft |
| Unfinished Basement | 1,320 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 7427 |
|---|---|
| Street Address | 95 ELM ST |
| City | FRAMINGHAM |
| State | MA |
| Zip | 01701-3437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | PLAN 20944A |
| Legal Block | 24 |
| Legal Lot Number | 9789 |
| Jurisdiction | FRAMINGHAM MA |
| Township / Civil Division | FRAMINGHAM |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 383800 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Saxonville Historic District listed 1992 · 68 contributing resources · NRIS 92000992 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Middlesex County and Framingham City records, as of October 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 | 95 ELM ST, FRAMINGHAM, MA 01701-3437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BEELINE LOANS INC |
| Jul 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BEELINE LOANS INC |
| Mar 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/RI |
| May 30, 2019 | Quit Claim Deed, Transfer · Conventional with PMI CITIZENS BK/RI |
| Apr 4, 2019 | Deed of Trust, Mortgage · Line of Credit LEADER BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 30, 2019 · Amount on Record |
| Deed Sale | May 30, 2019 · Amount on Record |
| Prior Sale | Jul 11, 2013 · Amount on Record |
| Prior Transfer Date | May 29, 2019 |
| Prior Transfer Doc | 1814411 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Property Address | 95 ELM ST, FRAMINGHAM, MA 01701-3437 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001886306 |
|---|---|
| Date | Jul 8, 2021 |
| Instrument | 1886306 |
| Name | BEELINE LOANS INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Property Address | 95 ELM ST, FRAMINGHAM, MA 01701-3437 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1886306 |
|---|---|
| Date | Jul 8, 2021 |
| Instrument | 1886306 |
| Name | BEELINE LOANS INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Property Address | 95 ELM ST, FRAMINGHAM, MA 01701-3437 |
| Document Number | 0001839272 |
| Instrument Date | Mar 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 95 ELM ST FRAMINGHAM MA 017013437, FRAMINGHAM, MA 01701-3437 |
| Document Number | 0001839272 |
|---|---|
| Date | Mar 30, 2020 |
| Instrument | 1839272 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 29, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Recording Date | May 30, 2019 |
| Property Address | 95 ELM ST, FRAMINGHAM, MA 01701-3437 |
| Document Number | 0000014411 |
| Instrument Date | May 29, 2019 |
| Instrument | 14411 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,781.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 95 ELM ST FRAMINGHAM MA 017013437, FRAMINGHAM, MA 01701-3437 |
| Document Number | 14412 |
|---|---|
| Date | May 30, 2019 |
| Instrument | 14412 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 29, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Property Address | 95 ELM ST, FRAMINGHAM, MA 01701-3437 |
| Document Number | 0000010801 |
| Instrument Date | Apr 4, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 95 ELM ST FRAMINGHAM MA 017013437, FRAMINGHAM, MA 01701-3437 |
| Document Number | 0000010801 |
|---|---|
| Date | Apr 9, 2019 |
| Instrument | 10801 |
| Name | LEADER BK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Middlesex County and Framingham City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| Municipality | Framingham City |
| Unified School District | Framingham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,259.00 (+3.55%) | $867,200 (+4.52%) Land $277,000 Building $590,200 | $932,972 (+9.34%) |
| 2025 | $9,907.00 (+4.19%) | $829,700 (+8.71%) Land $263,900 Building $565,800 | $853,290 (+8.31%) |
| 2024 | $9,509.00 (+3.82%) | $763,200 (+9.08%) Land $235,600 Building $527,600 | $787,835 |
| 2023 | $9,159.00 | $699,700 Land $210,300 Building $489,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 10, 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 | 1 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FRAMINGHAM WATER DEPT. (MWRA) serves 72,362 people · EPA ID MA3100000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Apr 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 273 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 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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