Middlesex County and Framingham City property record for 98 Elm St, Framingham, MA 01701
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,022 sqft · built 1955 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,353 (2026) |
| Deeds & Mortgages | Jul 2021 Mortgage Nov 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-24-8703 |
| Primary APN | 40-24-8703 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,022 sqft Living Area |
| Gross Area | 2,868 sqft |
| 1st Floor Area | 1,048 sqft |
| Basement Area | 1,000 sqft |
| Unfinished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 8203 |
|---|---|
| Street Address | 98 ELM ST |
| City | FRAMINGHAM |
| State | MA |
| Zip | 01701-3414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Block | 24 |
| Legal Lot Number | 8703 |
| Jurisdiction | FRAMINGHAM MA |
| Township / Civil Division | FRAMINGHAM |
| Census Block Group | 2 |
| Census Block | 2011 |
| 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.
98 Elm St is owned and occupied by an individual who acquired it in November 2025.
Source: Middlesex County and Framingham City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 98 ELM ST, FRAMINGHAM, MA 01701-3414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 28, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Nov 25, 2025 | Quit Claim Deed, Transfer · FHA Mortgage MSA LENDING LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 25, 2025 |
| Deed Sale | Nov 25, 2025 |
| Prior Sale | Dec 8, 2015 · Amount on File |
| Prior Transfer Date | Nov 20, 2025 |
| Prior Transfer Doc | 0001989729 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Property Address | 98 ELM ST, FRAMINGHAM, MA 01701-3414 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001888542 |
|---|---|
| Date | Jul 28, 2021 |
| Instrument | 1888542 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Aug 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FRAMINGHAM MA |
| Recording Date | Nov 25, 2025 |
| Property Address | 98 ELM ST, FRAMINGHAM, MA 01701-3414 |
| Document Number | 0001989729 |
| Instrument Date | Nov 20, 2025 |
| Instrument | 1989729 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 98 ELM ST, FRAMINGHAM, MA 01701-3414 |
| Document Number | 0001989730 |
|---|---|
| Date | Nov 25, 2025 |
| Instrument | 1989730 |
| Name | MSA LENDING LLC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
The 2026 property tax bill for 98 Elm St was $6,353, up 55.4% from the year before.
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 | $6,353.00 (+55.44%) | $537,000 (+56.88%) Land $272,700 Building $238,200 | $501,192 (+6.26%) |
| 2025 | $4,087.00 (-30.67%) | $342,300 (-27.65%) Land $259,700 Building $82,600 | $471,675 (-3.01%) |
| 2024 | $5,895.00 (+5.68%) | $473,100 (+11.03%) Land $231,900 Building $241,200 | $486,305 |
| 2023 | $5,578.00 | $426,100 Land $207,000 Building $219,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98 Elm St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 Claims | 2 (1979–1984) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Apr 1984 · tidal / storm surge |
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 risk around 98 Elm St is low, with less than 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 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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