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Single Family ResidenceResidential
$614,648$343 / 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 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $210,000 on Jan 30, 2015

38 RUGGLES ST

FRANKLIN, MA 02038
3
Beds
2
Baths
1,791 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.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1945
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$615K
$540K low$689K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$210,000 · Jan 30, 2015
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$207,248
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$165,798
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.66%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$377,400
ROCKET MORTGAGE LLC · recorded Jan 9, 2026
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$30,000
MILFORD FSB

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,039 (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.$605,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$219,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$386,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$501,885

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Colonial
CountyNORFOLK
Lot (acres)The size of the land the home sits on, from county records.0.18
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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

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.

E
Davis Thayer Elementary School
Elementary · Grades KG–5 · 0.5 mi
H
Franklin High SchoolA
High · Grades 9–12 · 1.1 mi
M
Annie Sullivan Middle SchoolB+
Middle · Grades 6–8 · 1.8 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

38 Ruggles 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.

  • Worth less than 69% of homes in Franklin 02038
  • Costs less per square foot than 85% of homes in Norfolk County
  • Has a smaller lot than 96% of homes in Franklin 02038
  • Older than 88% 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
$298K$1.3M

This home is worth more than 31% 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$614,648
CheaperTypical $707,049Pricier

Pricier than 31% of homes nearby

Price per ft²$343
CheaperTypical $384Pricier

Pricier than 24% of homes nearby

Living area1,791 ft²
SmallerTypical 1,872 ft²Bigger

Bigger than 45% of homes nearby

Lot size0.18 ac
SmallerTypical 0.7 acBigger

Bigger than 4% of homes nearby

Year built1945
OlderTypical 1985Newer

Newer than 12% of homes nearby

How 38 Ruggles St ranks against every home in each area.
MeasureThis homeFranklin 02038Norfolk County
Estimated valuepricier than$614,64831% of homes31% of homes
Price per ft²pricier than$34324% of homes15% of homes
Living areabigger than1,791 ft²45% of homes55% of homes
Lot sizebigger than0.18 ac4% of homes23% of homes
Year builtnewer than194512% of homes32% of homes

About 38 Ruggles St

How much is 38 Ruggles St, Franklin, MA worth?

The TopHap Estimate for 38 Ruggles St, Franklin, MA is $614,648 as of Jul 14, 2026. The likely range is $540,425 to $688,871. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 38 Ruggles St, Franklin, MA last sell?

38 Ruggles St, Franklin, MA last sold on Jan 30, 2015 for $210,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 38 Ruggles St, Franklin, MA?

38 Ruggles St, Franklin, MA has 3 bedrooms, 2 bathrooms, 1,791 square feet of living space and a 0.18-acre lot.

When was 38 Ruggles St, Franklin, MA built?

38 Ruggles St, Franklin, MA was built in 1945, making it 81 years old. It is a colonial home. The building has 2 stories.

What schools serve 38 Ruggles St, Franklin, MA?

38 Ruggles St, Franklin, MA is assigned to Davis Thayer Elementary School (elementary); Franklin High School (high), rated A; Annie Sullivan Middle School (middle), rated B+. All sit in Franklin School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 38 Ruggles St, Franklin, MA compare to other homes in Franklin 02038?

Among the 10,125 homes in Franklin 02038, it is worth more than 31% of them ($614,648 against a typical $707,049), its price per square foot is higher than 24% of them ($343 against a typical $384), it is bigger than 45% of them (1,791 ft² against a typical 1,872 ft²), its lot is bigger than 4% of them (0.18 ac against a typical 0.7 ac) and it is newer than 12% of them (1945 against a typical 1985). Measured against all of Norfolk County, it is worth more than 31% 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 38 Ruggles St, Franklin, MA?

The 2025 property tax bill for 38 Ruggles St, Franklin, MA was $7,039. The county assessed it at $605,800.

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Assigned schools

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