11 Celtic Ave, Billerica, MA 01821 Property Records

Middlesex County and Billerica Town property record for 11 Celtic Ave, Billerica, MA 01821

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,260 sqft · built 1954
Lot Size	0.25 acres (10,903 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,520 (Jun 2018)
Tax Bill	$5,574 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BILL M:0042 B:0041 L:0`

Property Details

APN / Parcel Number

Primary APN	`BILL M:0042 B:0041 L:0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,260 sqft Living Area
Gross Area	2,830 sqft
1st Floor Area	672 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,903 sqft (0.25 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	11 CELTIC AVE
City	BILLERICA
State	MA
Zip	01821-1238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2
Legal Block	41
Jurisdiction	BILLERICA MA
Township / Civil Division	BILLERICA
Census Block Group	2
Census Block	2000
Census Tract	316102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	11 CELTIC AVE, BILLERICA, MA 01821-1238
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 16, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jun 28, 2018	Quit Claim Deed, Transfer QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2018 · Amount on Record
Deed Sale	Jun 28, 2018 · Amount on Record
Prior Sale	Nov 10, 2006
Deed Document Number	201827061
Deed Book / Page	32196 / 80
Transfer Doc	0032196-80
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BILLERICA MA
Recording Date	Sep 11, 2026
Property Address	11 CELTIC AVE, BILLERICA, MA 01821-1238
Document Number	0000030346
Book / Page	40346 / 76
Instrument Date	Aug 28, 2026
Instrument	202630346
Transaction Type	Mortgage
Record Updated	Sep 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 CELTIC AVE, BILLERICA, MA 01821-1238

Mortgage

Document Number	0000030346,
Date	Sep 11, 2026
Book Page	40346/76
Instrument	202630346

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BILLERICA MA
Property Address	11 CELTIC AVE, BILLERICA, MA 01821-1238
Document Number	34397-56
Instrument Date	Jul 16, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 CELTIC AVE BILLERICA MA 018211238, BILLERICA, MA 01821-1238

Mortgage

Document Number	34397-56
Date	Jul 23, 2020
Book Page	034397/000056
Instrument	33397

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2050

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BILLERICA MA
Recording Date	Jun 28, 2018
Property Address	11 CELTIC AVE, BILLERICA, MA 01821-1238
Document Number	32196-80
Book / Page	32196 / 80
Instrument	27061
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 CELTIC AVE, BILLERICA, MA 01821-1238

Mortgage

Document Number	321960085
Date	Jun 28, 2018
Instrument	32196/0085

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,574.00 (+3.93%)	$480,100 (+1.78%) Land $281,500 Building $198,100	$487,540 (-)
2025	$5,363.00 (+5.26%)	$471,700 (+4.52%) Land $273,100 Building $198,600	$487,540 (+1.62%)
2024	$5,095.00 (+0.67%)	$451,300 (+5.84%) Land $264,400 Building $186,900	$479,750
2023	$5,061.00	$426,400 Land $240,700 Building $185,700

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

Flood

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	3 in force
Nearby Flood Claims	3 (1979–1998)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jun 1998 · Heavy Rains And Flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 175 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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