1 Bernstein Rd, Wilmington, MA 01887 Property Records

Middlesex County and Wilmington Town property record for 1 Bernstein Rd, Wilmington, MA 01887

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 1976
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$605,000 (Nov 2022)
Tax Bill	$7,066 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WILM M:0084 L:0000 P:0053`

Property Details

APN / Parcel Number

Primary APN	`WILM M:0084 L:0000 P:0053`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
Gross Area	2,248 sqft
1st Floor Area	1,080 sqft
Basement Area	1,008 sqft
Unfinished Basement	504 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	1 BERNSTEIN RD
City	WILMINGTON
State	MA
Zip	01887-3805
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Jurisdiction	WILMINGTON MA
Township / Civil Division	WILMINGTON
Census Block Group	3
Census Block	3003
Census Tract	331200

Owner

1 Bernstein Rd is owned and occupied by two individuals who bought it in November 2022.

Source: Middlesex County and Wilmington Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1 BERNSTEIN RD, WILMINGTON, MA 01887-3805
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage U S BANK N A
Nov 4, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage DRAPER AND KRAMER MORTGAGE CORP.

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2022 · Amount on File
Deed Sale	Nov 4, 2022 · Amount on File
Prior Sale	Apr 6, 1989 · Amount on File
Deed Document Number	202245618
Deed Book / Page	37492 / 76
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILMINGTON MA
Recording Date	Apr 21, 2026
Property Address	1 BERNSTEIN RD, WILMINGTON, MA 01887-3805
Document Number	039999-221
Book / Page	39999 / 221
Instrument Date	Mar 23, 2026
Instrument	202611665
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 BERNSTEIN RD, WILMINGTON, MA 01887-3805
Investor	Possibly a Property Investor

Mortgage

Document Number	0000011665,
Date	Apr 21, 2026
Book Page	39999/221
Instrument	202611665

Lender

Name	U S BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WILMINGTON MA
Recording Date	Nov 4, 2022
Property Address	1 BERNSTEIN RD, WILMINGTON, MA 01887-3805
Document Number	0037492-76
Book / Page	37492 / 76
Instrument Date	Nov 4, 2022
Instrument	45618
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1 BERNSTEIN RD, WILMINGTON, MA 01887-3805

Mortgage

Document Number	0000045619
Date	Nov 4, 2022
Instrument	45619

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 1 Bernstein Rd was $7,066, up 7.3% from the year before.

Source: Middlesex County and Wilmington Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Wilmington Town
Unified School District	Wilmington School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,066.00 (+7.34%)	$619,300 (+7.72%) Land $298,100 Building $321,200	$664,665 (-1.69%)
2025	$6,583.00 (+0.92%)	$574,900 (+0.74%) Land $276,100 Building $298,800	$676,115 (+8.77%)
2024	$6,523.00 (+3.52%)	$570,700 (+8.15%) Land $276,100 Building $294,600	$621,585
2023	$6,301.00	$527,700 Land $251,000 Building $276,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1 Bernstein Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1 Bernstein Rd 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 94% of the US · lower than 86% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WILMINGTON WATER DEPT serves 21,654 people · EPA ID MA3342000
Water Source	Purchased surface water from MWRA
Last State Inspection	Sep 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 2,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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