Middlesex County and Townsend Town property record for 1 Riverbank Ter, Townsend, MA 01469
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,759 sqft · built 1900 |
| Lot Size | 0.195 acres (8,499 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $274,900 (Aug 2018) |
| Tax Bill | $5,716 (2026) |
| Deeds & Mortgages | Dec 2022 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | TOWN M:0051 B:0041 L:0000 |
| Primary APN | TOWN M:0051 B:0041 L:0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,759 sqft Living Area |
| Gross Area | 3,083 sqft |
| Basement Area | 528 sqft |
| Unfinished Basement | 528 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,499 sqft (0.195 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Street Address | 1 RIVERBANK TER |
|---|---|
| City | TOWNSEND |
| State | MA |
| Zip | 01469-1232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | DCD |
| Legal Block | 41 |
| Jurisdiction | TOWNSEND MA |
| Township / Civil Division | TOWNSEND |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 301101 |
1 Riverbank Ter is owned and occupied by two individuals who bought it in August 2018.
Source: Middlesex County and Townsend Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1 RIVERBANK TER, TOWNSEND, MA 01469-1232 |
| 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.
| Date | Document |
|---|---|
| Dec 8, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) USA RURAL HOUSING |
| Aug 23, 2018 | Warranty Deed, Transfer HARBORONE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2018 · Amount on File |
| Deed Sale | Aug 23, 2018 · Amount on File |
| Prior Sale | Jan 15, 1988 · Amount on File |
| Deed Document Number | 2018129840 |
| Deed Book / Page | 71517 / 202 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOWNSEND MA |
| Property Address | 1 RIVERBANK TER, TOWNSEND, MA 01469-1232 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 081033-489 |
|---|---|
| Date | Dec 8, 2022 |
| Book Page | 81033/489 |
| Instrument | 178751 |
| Name | USA RURAL HOUSING |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 313 Months |
| Due | Jan 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TOWNSEND MA |
| Recording Date | Aug 23, 2018 |
| Property Address | 1 RIVERBANK TER, TOWNSEND, MA 01469-1232 |
| Document Number | 71517-202 |
| Book / Page | 71517 / 202 |
| Instrument | 129840 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $36.89 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 715170205 |
|---|---|
| Date | Aug 23, 2018 |
| Instrument | 71517/0205 |
| Name | HARBORONE MORTGAGE |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 23, 2048 |
The 2026 property tax bill for 1 Riverbank Ter was $5,716, down 1.2% from the year before.
Source: Middlesex County and Townsend Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Townsend Town |
| Unified School District | North Middlesex School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,716.00 (-1.24%) | $415,700 (+4.29%) Land $83,700 Building $332,000 | $413,535 (-) |
| 2025 | $5,788.00 (+3.49%) | $398,600 (+2.71%) Land $72,300 Building $326,300 | $413,535 (+5.09%) |
| 2024 | $5,593.00 (+6.94%) | $388,100 (+13.25%) Land $72,300 Building $315,800 | $393,490 |
| 2023 | $5,230.00 | $342,700 Land $68,500 Building $274,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1 Riverbank Ter in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 3 (1987–2007) |
| Most Recent Claim | Apr 2007 · rainfall accumulation |
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 1 Riverbank Ter is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | TOWNSEND WATER DEPARTMENT serves 6,832 people · EPA ID MA2299000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2025 |
| Lead | 2 ppb (2026) 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 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
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