10 Joyce Ln, Bellingham, MA 02019 Property Records

Norfolk County and Bellingham Town property record for 10 Joyce Ln, Bellingham, MA 02019

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,741 sqft · built 1975
Lot Size	0.459 acres (19,998 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Sep 2022)
Tax Bill	$6,497 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jun 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`BELL M:0023 B:004D L:0000`

Property Details

APN / Parcel Number

Primary APN	`BELL M:0023 B:004D L:0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,741 sqft Living Area
Gross Area	2,828 sqft
Basement Area	968 sqft
Unfinished Basement	387 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,998 sqft (0.459 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10 JOYCE LN
City	BELLINGHAM
State	MA
Zip	02019-1074
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SUBN
Legal Block	4D
Jurisdiction	BELLINGHAM MA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1006
Census Tract	443106

Owner

10 Joyce Ln is owned and occupied by two individuals who bought it in September 2022.

Source: Norfolk County and Bellingham Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 JOYCE LN, BELLINGHAM, MA 02019-1074
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 25, 2026	Deed of Trust, Mortgage · Line of Credit
Jun 25, 2026	Deed of Trust, Mortgage · Line of Credit
Jun 14, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Sep 8, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2022 · Amount on File
Deed Sale	Sep 8, 2022 · Amount on File
Prior Sale	Oct 4, 1978 · Amount on File
Deed Document Number	202279828
Deed Book / Page	40802 / 498
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELLINGHAM MA
Recording Date	Jun 25, 2026
Property Address	10 JOYCE LN, BELLINGHAM, MA 02019-1074
Document Number	0001572354
Instrument Date	Jun 15, 2026
Instrument	20261572354
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 JOYCE LN, BELLINGHAM, MA 02019-1074

Mortgage

Document Number	0001572354,
Date	Jun 25, 2026
Instrument	20261572354

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELLINGHAM MA
Recording Date	Jun 25, 2026
Property Address	10 JOYCE LN, BELLINGHAM, MA 02019-1074
Document Number	0000044044
Book / Page	43197 / 257
Instrument Date	Jun 15, 2026
Instrument	202644044
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 JOYCE LN, BELLINGHAM, MA 02019-1074

Mortgage

Document Number	0000044044,
Date	Jun 25, 2026
Book Page	43197/257
Instrument	202644044

Lender

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELLINGHAM MA
Property Address	10 JOYCE LN, BELLINGHAM, MA 02019-1074
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0041830-49
Date	Jun 14, 2024
Book Page	41830/49
Instrument	36563

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELLINGHAM MA
Recording Date	Sep 8, 2022
Property Address	10 JOYCE LN, BELLINGHAM, MA 02019-1074
Document Number	040802-498
Book / Page	40802 / 498
Instrument Date	Sep 8, 2022
Instrument	79828
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	10 JOYCE LN, BELLINGHAM, MA 02019-1074

Mortgage

Document Number	0001509845
Date	Sep 8, 2022
Instrument	1509845

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 10 Joyce Ln was $6,497, up 4.1% from the year before.

Source: Norfolk County and Bellingham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Norfolk County
County Subdivision	Bellingham Town
Unified School District	Bellingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,497.00 (+4.09%)	$517,300 (+6.57%) Land $167,200 Building $350,100	$535,420 (-2.05%)
2024	$6,242.00 (+7.21%)	$485,400 (+8.81%) Land $152,600 Building $332,800	$546,630
2023	$5,822.00	$446,100 Land $145,400 Building $300,700

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

Flood

FEMA maps place 10 Joyce Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 26, 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	2 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

Wildfire risk around 10 Joyce Ln 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	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	BELLINGHAM DPW WATER SEWER DIVISION serves 16,556 people · EPA ID MA2025000
Water Source	Groundwater
Last State Inspection	Mar 2023
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2022
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. 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 100 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 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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