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Single Family ResidenceResidential
$640,737$314 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $172,000 on Nov 1, 1989

109 COTTAGE ST

FRANKLIN, MA 02038
4
Beds
2
Baths
2,042 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
9
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$641K
$611K low$670K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$172,000 · Nov 1, 1989

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,969 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$513,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$234,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$278,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$513,000

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.14 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyNORFOLK
Lot (acres)The size of the land the home sits on, from county records.0.20
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
PoolWhether the property has a pool, and what kind, such as in-ground.In-Ground Pool

Transaction History(8)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Franklin Middle School
Middle · Grades 6–8 · 0.6 mi
E
Washington Street K-2 Elementary School
Elementary · Grades KG–2 · 0.9 mi
H
Franklin High SchoolA-
High · Grades 9–12 · 1.1 mi

District: Franklin School District

Neighborhood · ZIP 02038These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.65
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.98
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.61

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.32%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.34,196
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,268 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$136,220
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$161,360
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.49 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Cottage St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs less per square foot than 90% of homes in Norfolk County
  • Bigger than 65% of homes in Norfolk County
  • Has a smaller lot than 96% of homes in Franklin 02038
  • Older than 92% of homes in Franklin 02038

What homes are worth in Franklin 02038

Each bar is how many homes fall in that price range. The marker is this home.

This home
$290K$1.3M

This home is worth more than 39% of homes in Franklin 02038.

How it measures up in Franklin 02038

The dot is this home. The mark in the middle is the typical home in Franklin 02038.

Estimated value$640,737
CheaperTypical $699,484Pricier

Pricier than 39% of homes nearby

Price per ft²$314
CheaperTypical $376Pricier

Pricier than 14% of homes nearby

Living area2,042 ft²
SmallerTypical 1,879 ft²Bigger

Bigger than 57% of homes nearby

Lot size0.2 ac
SmallerTypical 0.7 acBigger

Bigger than 4% of homes nearby

Year built1900
OlderTypical 1985Newer

Newer than 8% of homes nearby

How 109 Cottage St ranks against every home in each area.
MeasureThis homeFranklin 02038Norfolk County
Estimated valuepricier than$640,73739% of homes37% of homes
Price per ft²pricier than$31414% of homes10% of homes
Living areabigger than2,042 ft²57% of homes65% of homes
Lot sizebigger than0.2 ac4% of homes25% of homes
Year builtnewer than19008% of homes10% of homes

About 109 Cottage St

How much is 109 Cottage St, Franklin, MA worth?

The TopHap Estimate for 109 Cottage St, Franklin, MA is $640,737 as of Oct 21, 2026. The likely range is $611,042 to $670,432. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Cottage St, Franklin, MA last sell?

109 Cottage St, Franklin, MA last sold on Nov 1, 1989 for $172,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 109 Cottage St, Franklin, MA?

109 Cottage St, Franklin, MA has 4 bedrooms, 2 bathrooms, 2,042 square feet of living space and a 0.20-acre lot.

When was 109 Cottage St, Franklin, MA built?

109 Cottage St, Franklin, MA was built in 1900, making it 126 years old. The building has 2 stories.

What schools serve 109 Cottage St, Franklin, MA?

109 Cottage St, Franklin, MA is assigned to Franklin Middle School (middle); Washington Street K-2 Elementary School (elementary); Franklin High School (high), rated A-. All sit in Franklin School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Cottage St, Franklin, MA compare to other homes in Franklin 02038?

Among the 10,126 homes in Franklin 02038, it is worth more than 39% of them ($640,737 against a typical $699,484), its price per square foot is higher than 14% of them ($314 against a typical $376), it is bigger than 57% of them (2,042 ft² against a typical 1,879 ft²), its lot is bigger than 4% of them (0.2 ac against a typical 0.7 ac) and it is newer than 8% of them (1900 against a typical 1985). Measured against all of Norfolk County, it is worth more than 37% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Cottage St, Franklin, MA?

The 2025 property tax bill for 109 Cottage St, Franklin, MA was $5,969. The county assessed it at $513,700.

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