Middlesex County and Billerica Town property record for 10 Cold Spring Rd, Billerica, MA 01821
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,202 sqft · built 1925 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,214 (2026) |
| Deeds & Mortgages | Nov 2022 Refinance Apr 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | BILL M:0078 B:0175 L:0 |
| Primary APN | BILL M:0078 B:0175 L:0 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,202 sqft Living Area |
| Gross Area | 4,102 sqft |
| Basement Area | 419 sqft |
| Unfinished Basement | 419 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,001 sqft (0.23 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 10 COLD SPRING RD |
|---|---|
| City | BILLERICA |
| State | MA |
| Zip | 01821-3546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 1 |
| Legal Block | 175 |
| Jurisdiction | BILLERICA MA |
| Township / Civil Division | BILLERICA |
| Census Block Group | 5 |
| Census Block | 5001 |
| Census Tract | 316300 |
10 Cold Spring Rd, a single family home, is owned by two individuals.
Source: Middlesex County and Billerica Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 86, NUTTING LAKE, MA 01865-0086 |
| 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 |
|---|---|
| Nov 16, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance MUTUAL OF OMAHA MORTGAGE |
| Apr 3, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BILLERICA MA |
| Property Address | 10 COLD SPRING RD, BILLERICA, MA 01821-3546 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0037514-28 |
|---|---|
| Date | Nov 16, 2022 |
| Book Page | 37514/28 |
| Instrument | 46898 |
| Name | MUTUAL OF OMAHA MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BILLERICA MA |
| Property Address | 10 COLD SPRING RD, BILLERICA, MA 01821-3546 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 33986-192 |
|---|---|
| Date | Apr 3, 2020 |
| Book Page | 33986/192 |
| Instrument | 14346 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
The 2026 property tax bill for 10 Cold Spring Rd was $7,214, up 4.2% from the year before.
Source: Middlesex County and Billerica Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Billerica Town |
| Unified School District | Billerica School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,214.00 (+4.23%) | $621,400 (+2.09%) Land $283,100 Building $338,300 | $657,685 (-) |
| 2025 | $6,921.00 (+11.34%) | $608,700 (+10.55%) Land $270,400 Building $338,300 | $657,685 (-0.59%) |
| 2024 | $6,216.00 (-0.1%) | $550,600 (+5.04%) Land $253,200 Building $297,400 | $661,580 |
| 2023 | $6,222.00 | $524,200 Land $226,800 Building $297,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Cold Spring Rd in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
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 10 Cold Spring 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 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | BILLERICA WATER WORKS serves 42,119 people · EPA ID MA3031000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | Bromate resolved · Apr 2023 |
|---|---|
| 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 341 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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