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Monday, September 14, 2026
Norfolk County Real Estate Market Remains Stable Despite Continued Inventory Challenges
Monday, September 7, 2026
Norfolk County Register of Deeds William P. O’Donnell today reminded homeowners about the importance of filing for Homestead Protection
In 2025 there were 11,058 Declarations of Homestead filed at the Norfolk County Registry of Deeds, 9% more than in 2024.
“If you own a home, and it is your primary residence, you have an automatic homestead exemption of $125,000. However, if you file a Declaration of Homestead at the Registry of Deeds, the exemption increases to $1,000,000. The Homestead Law provides a homeowner with limited protection against the forced sale of their primary residence to satisfy unsecured debt up to $1,000,000 if they have filed. This is especially important when you consider that for most of us, a home is our most valuable asset. Consumers should take steps to protect that asset,” noted Norfolk County Register of Deeds William P. O’Donnell.
In August of 2024, state legislators passed Session Law 2024, c. 150, s. 51 (an Act relative to the Affordable Homes Act), which, among other benefits, increased the amount of protection offered by a written declaration of homestead from $500,000 to $1,000,000.
“The increase in the amount of the homestead exemption applies retroactively to any valid homestead that is on record at the Registry of Deeds and to any future recorded Homesteads,” noted Norfolk County Register of Deeds William P. O’Donnell. “This means homeowners who have a valid homestead on record do not need to file a new homestead to gain the benefit of the August of 2024 increase.”
Another feature of the Homestead Law is the allowance for the filing of an Elderly Homestead Declaration, which defines an elder as a person who is 62 years of age or older and provides protection of $1,000,000 for each qualified person.
The Register further noted, "In March of 2011, the Homestead Law was updated so that a valid Homestead is not terminated when refinancing a mortgage. Other changes that took place back in 2011 state that a Homestead can provide protections for a primary home even if it is held in a trust. The definition of a primary residence was also expanded to include a manufactured or mobile home."
A Declaration of Homestead also protects the sale proceeds if the home is sold for up to one year after the date of the sale or on the date when a new home is purchased with the proceeds, whichever comes first. Additionally, if the home is damaged by a fire, for example, the insurance proceeds are protected for two years after the date of the fire or on the date when the home is reconstructed or a new home is purchased, whichever is earlier.
While the Homestead statute provides important protections for homeowners, it is important to note that certain debts are exempt from protection under the Homestead Act. These include federal, state, and local tax liens, as well as mortgages contracted for the purchase of a primary home and nursing home liens. Most other mortgages, debts, and encumbrances existing prior to the filing of the Declaration of Homestead, along with probate court executions for spousal and child support, are also not covered under the Homestead Protection Statute.
Declarations of Homestead are recorded at the Registry of Deeds for a state-imposed fee of $36.00. Additional information about the Homestead Law and the forms are available at no cost by going to the Registry’s website at www.norfolkdeeds.org.
Register O’Donnell concluded, “I want to reiterate that a Homestead provides limited protection against the forced sale of a homeowner’s primary residence to satisfy unsecured debt up to $1,000,000. While the debt is still owed, homeowners can have peace of mind knowing that with a Declaration of Homestead recorded at the Registry of Deeds, their primary residence cannot be forcibly sold to satisfy some debts.”
If you have any questions about a Homestead, please contact the Norfolk County Registry of Deeds Customer Service Center at 781-461-6101, Monday through Friday between the hours of 8:30 a.m. and 4:30 p.m.
To learn more about these and other Registry of Deeds events and initiatives, “like” us on Facebook at facebook.com/norfolkdeeds. Follow us on Twitter and Instagram at @norfolkdeeds.
The Norfolk County Registry of Deeds is located at 649 High Street in Dedham. The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities and others with a need for secure, accurate, accessible land record information. All land record research information can be found on the Registry’s website www.norfolkdeeds.org. Residents in need of assistance can contact the Registry of Deeds Customer Service Center via telephone at (781) 461-6101, or email us at registerodonnell@
Thursday, August 27, 2026
Norfolk County Sheriff’s Office to host “House to House for Heroes” veterans’ outreach in Avon on September 26th
Monday, August 24, 2026
GOOD DEEDS: Celebrating the History and Spirit of Labor Day
Thursday, August 20, 2026
GOOD DEEDS: 2026 Second Quarter Update (video)
- Real estate statistics comparing the Second Quarter of 2026 to the Second Quarter of 2025
- Housing affordability challenges, mortgage rates, and market conditions affecting homebuyers
- Updates on Norfolk County Registry of Deeds court cases involving Norfolk County government and recent court rulings
- The Registry’s celebration of America’s 250th Anniversary and publication of the book “We Remember America’s 250th Anniversary”
- The Registry’s History Comes Alive Project and the preservation of Norfolk County historic land records
- Preview and discussion on a new QATV documentary on General Sylvanus Thayer, the Braintree native known as the “Father of West Point”
Monday, August 17, 2026
Norfolk County Real Estate Market Remains Active and Stable in July 2026
Monday, August 10, 2026
Register O'Donnell Reveals Norfolk County’s Top Real Estate Sales: First Half of 2026
Monday, August 3, 2026
Register O’Donnell Delivers 2026 Second Quarter Real Estate Activity Report
Wednesday, July 29, 2026
Frank Presents: Bob Jubinville (video)
Tuesday, July 21, 2026
Norfolk County Real Estate Activity Accelerates in June 2026
Monday, July 20, 2026
Another Favorable Court Ruling for Norfolk County Register
Saturday, July 11, 2026
Frank Presents: Joe Pagliarulo (video)
Monday, July 6, 2026
Happy Fourth of July from the Norfolk County Registry of Deeds
Monday, June 29, 2026
GOOD DEEDS: “We Remember America’s 250th Anniversary”
Monday, June 22, 2026
Norfolk County Real Estate Activity Slows in May 2026
Norfolk County Register of Deeds William P. O’Donnell today released the real estate recording statistics for May 2026, which indicate a slowdown in real estate activity across Norfolk County compared to May 2025, with declines seen in several key indicators including sales volume, average sale prices, and mortgage activity.
The Registry of Deeds recorded 9,415 documents in May 2026, a 2% decrease compared to the 9,628 documents recorded in May 2025, and a slight 1% decrease from April 2026.
“May 2026 reflects a lower level of real estate activity compared to last year,” noted Norfolk County Register of Deeds William P. O’Donnell. “While overall document recordings remained relatively stable, the year‑over‑year decline suggests a market that is adjusting to ongoing economic pressures and a limited inventory of available properties.”
The total number of deeds recorded for May 2026, representing both commercial and residential real estate sales and transfers, was 1,462, a 2% decrease from the 1,494 deeds recorded in May 2025, but a 3% increase from April 2026. Looking at just real estate sales, 773 properties were sold in May 2026, representing a 6% decrease compared to May 2025.
“Although transaction volume improved over April of 2026, this spring market has not matched the level seen in May of 2025,” stated Register O’Donnell. “Elevated interest rates and affordability challenges continue to restrict both buyers and sellers.”
Lending activity also declined in May. A total of 1,511 mortgages were recorded in May 2026, a 2% decrease from the 1,542 mortgages recorded in May 2025, and an 8% decrease from April 2026. Total mortgage indebtedness was approximately $1.25 billion, a 14% decrease compared to May 2025, but a 10% increase from April 2026.
“The decrease in mortgage activity, along with a significant drop in total mortgage indebtedness compared to last year, reflects a more cautious lending environment,” stated Register O’Donnell. “Interest rates and overall borrowing costs remain key factors affecting financing decisions.”
The total value of commercial and residential sales recorded in May 2026 was approximately $926 million, a 19% decrease from the $1.14 billion recorded in May 2025, but a 17% increase from April 2026. The average sale price for all property types was approximately $1.19 million, a 14% decrease compared to May 2025, but a 4% increase from April 2026.
“While overall property values remain historically elevated, the decrease appears to reflect a combination of fewer high-value transactions, softness in the commercial real estate sector, and increased sensitivity to affordability among buyers,” said Register O’Donnell. “According to Redfin market data residential home prices, have remained relatively stable year-over-year, with countywide data showing only minimal price movement in May.”
The Registry continues to closely monitor foreclosure activity. In May 2026, there were 2 foreclosure deeds recorded as a result of mortgage foreclosures taking place in Norfolk County, unchanged from May 2025. Notices to foreclose, which represent the first step in the foreclosure process, increased to 28 in May 2026 from 26 in May 2025.
“While foreclosure deeds remain low, the increase in notices to foreclose is something we are watching closely,” said Register O'Donnell. “Foreclosure activity has a real impact on families and communities, and we want residents to know that resources are available if they are facing financial hardship.”
For the past several years, the Norfolk County Registry of Deeds has partnered with Quincy Community Action Programs (617-479-8181 x376) and NeighborWorks Housing Solutions (508-587-0950) to help anyone facing challenges paying their mortgage. Another option for homeowners is to contact the Massachusetts Attorney General’s Consumer Advocacy and Response Division (CARD) at 617-727-8400.
“Overall, the May 2026 recording data shows a market that is moving at a slower pace than last year. Affordability challenges, higher borrowing costs, and a limited supply of available properties are all continuing to weigh on activity. At the same time, the drop in total sales value and average sale price seems to be driven more by fewer high‑end and commercial transactions, rather than any broad decline in residential home values, which have remained relatively steady,” Register O’Donnell said. “As we move into the summer months, we hope to see the homebuying season pick up steam.”
To learn more about these and other Registry of Deeds events and initiatives like us on Facebook at facebook.com/NorfolkDeeds, or follow us on X at x.com/NorfolkDeeds and Instagram at instagram.com/NorfolkDeeds.
The Norfolk County Registry of Deeds is located at 649 High Street in Dedham. The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities and others with a need for secure, accurate, accessible land record information. All land record research information can be found on the Registry’s website www.norfolkdeeds.org. Residents in need of assistance can contact the Registry of Deeds Customer Service Center via telephone at (781) 461-6101, or email us at registerodonnell@norfolkdeeds.













