13 Ray Ave, Bellingham, MA 02019 Property Records

Norfolk County and Bellingham Town property record for 13 Ray Ave, Bellingham, MA 02019

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,156 sqft · built 1900
Lot Size	0.464 acres (20,199 sqft)
Owner	2 Individual Names on File
Last Sale	$234,000 (Sep 2014)
Tax Bill	$4,923 (2026)
Deeds & Mortgages	Aug 2021 Line of Credit Aug 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BELL M:0020 B:0035 L:0000`

Property Details

APN / Parcel Number

Primary APN	`BELL M:0020 B:0035 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,156 sqft Living Area
Gross Area	2,058 sqft
Basement Area	616 sqft
Unfinished Basement	616 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,199 sqft (0.464 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	13 RAY AVE
City	BELLINGHAM
State	MA
Zip	02019-1229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SUBN
Legal Block	35
Jurisdiction	BELLINGHAM MA
Township / Civil Division	BELLINGHAM
Census Block Group	3
Census Block	3006
Census Tract	443106

Owner

13 Ray Ave is owned and occupied by two individuals who bought it in September 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	13 RAY AVE, BELLINGHAM, MA 02019-1229
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
Aug 6, 2021	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Aug 6, 2021	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Aug 25, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2014 · Amount on File
Deed Sale	Sep 11, 2014 · Amount on File
Deed Book / Page	32543 / 517
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELLINGHAM MA
Property Address	13 RAY AVE, BELLINGHAM, MA 02019-1229
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	039712-369
Date	Aug 6, 2021
Book Page	39712/369
Instrument	102946

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELLINGHAM MA
Property Address	13 RAY AVE, BELLINGHAM, MA 02019-1229
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	39712-369
Date	Aug 6, 2021
Book Page	39712/369
Instrument	102946

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELLINGHAM MA
Property Address	13 RAY AVE, BELLINGHAM, MA 02019-1229
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	38254-466
Date	Aug 25, 2020
Book Page	38254/466
Instrument	87014

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 13 Ray Ave was $4,923, up 4.2% 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
2026	$4,923.00 (+4.19%)	$397,300 (+5.61%) Land $184,000 Building $197,700	$410,875 (-)
2025	$4,725.00 (+4.44%)	$376,200 (+6.94%) Land $167,200 Building $209,000	$410,875 (+2.83%)
2024	$4,524.00 (+3.69%)	$351,800 (+5.23%) Land $152,700 Building $199,100	$399,570
2023	$4,363.00	$334,300 Land $145,400 Building $188,900

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

Flood

FEMA maps place 13 Ray Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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	1 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2010 · Severe Storms 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

Wildfire risk around 13 Ray Ave 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 93% of the US · lower than 83% 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	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 68 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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