15 Gray St, Billerica, MA 01821 Property Records

Middlesex County and Billerica Town property record for 15 Gray St, Billerica, MA 01821

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,952 sqft · built 2015
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$649,900 (May 2016)
Tax Bill	$12,754 (2026)
Deeds & Mortgages	Oct 2019 Refinance Dec 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`BILL M:0034 B:0027 L:0`

Property Details

APN / Parcel Number

Primary APN	`BILL M:0034 B:0027 L:0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,952 sqft Living Area
Gross Area	6,574 sqft
1st Floor Area	826 sqft
Basement Area	1,449 sqft
Unfinished Basement	1,449 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Detached

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	15 GRAY ST
City	BILLERICA
State	MA
Zip	01821-1423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	3
Legal Block	27
Jurisdiction	BILLERICA MA
Township / Civil Division	BILLERICA
Census Block Group	2
Census Block	2022
Census Tract	316101

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	15 GRAY ST, BILLERICA, MA 01821-1423
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Dec 7, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2016 · Amount on Record
Deed Sale	May 12, 2016 · Amount on Record
Prior Sale	Aug 21, 2015 · Amount on Record
Deed Book / Page	30034 / 184
Transfer Doc	0029354-26
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BILLERICA MA
Property Address	15 GRAY ST, BILLERICA, MA 01821-1423
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33498-267
Date	Oct 30, 2019
Book Page	33498/267
Instrument	47388

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2034

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BILLERICA MA
Property Address	15 GRAY ST, BILLERICA, MA 01821-1423
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	35012-148
Date	Dec 7, 2020
Book Page	35012/148
Instrument	63396

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2052

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	$12,754.00 (+3.09%)	$1,098,500 (+0.96%) Land $372,600 Building $725,900	$851,200 (-)
2025	$12,372.00 (+4.24%)	$1,088,100 (+3.5%) Land $362,200 Building $725,900	$851,200 (+1.16%)
2024	$11,869.00 (+3.7%)	$1,051,300 (+9.03%) Land $327,000 Building $724,300	$841,415
2023	$11,445.00	$964,200 Land $285,600 Building $678,600

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	8 in force
Nearby Flood Claims	7 (1982–2023)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Aug 2023 · river or lake flooding
Claims by Event	Flooding, Apr 2004 · 2 claims Severe Storms And Flooding, Mar 2001 · 2 claims

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 96% of the US · lower than 92% 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	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 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
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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