197 Andover Rd, Billerica, MA 01821 Property Records

Middlesex County and Billerica Town property record for 197 Andover Rd, Billerica, MA 01821

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,954 sqft · built 1960
Lot Size	0.787 acres (34,282 sqft)
Owner	Company Name on File
Last Sale	$699,900 (Nov 2024)
Tax Bill	$7,524 (2025)
Deeds & Mortgages	Aug 2021 Reverse Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`BILL M:0034 B:0078 L:1`

Property Details

APN / Parcel Number

Primary APN	`BILL M:0034 B:0078 L:1`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,954 sqft Living Area
Gross Area	3,990 sqft
Basement Area	1,684 sqft
Unfinished Basement	1,684 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	34,282 sqft (0.787 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	197 ANDOVER RD
City	BILLERICA
State	MA
Zip	01821-1946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	3
Legal Block	78
Legal Lot Number	1
Jurisdiction	BILLERICA MA
Township / Civil Division	BILLERICA
Census Block Group	1
Census Block	1001
Census Tract	316102

Owner

197 Andover Rd is owned by a company that bought it in November 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	77 RUMFORD AVE, 1, WALTHAM, MA 02453-3872
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2021	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Apr 3, 2017	Deed of Trust, Mortgage · Closed-End Mortgage CENTURY BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2024 · Amount on File
Deed Sale	Nov 15, 2024 · Amount on File
Prior Sale	Jul 22, 2024 · Amount on File
Deed Document Number	202436162
Deed Book / Page	38901 / 78
Prior Transfer Date	Nov 14, 2024
Prior Transfer Doc	0038901-78
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BILLERICA MA
Property Address	197 ANDOVER RD, BILLERICA, MA 01821-1946
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036151-14
Date	Aug 19, 2021
Book Page	36151/14
Instrument	48967

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	793 Months
Due	Sep 1, 2087

Interest

Rate Type	Adjustable Rate
Rate	1.5%
Type Change Date	Sep 1, 2021
Index	Other

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BILLERICA MA
Property Address	197 ANDOVER RD, BILLERICA, MA 01821-1946
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31014-258
Date	Apr 3, 2017
Book Page	31014/258
Instrument	13288

Lender

Name	CENTURY BANK & TRUST CO
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 197 Andover Rd was $7,524, up 20.5% from the year before.

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		$672,100 (+1.57%) Land $353,100 Building $318,600	$660,345 (-)
2025	$7,524.00 (+20.52%)	$661,700 (+19.66%) Land $342,700 Building $319,000	$660,345 (+2.4%)
2024	$6,243.00 (+4.89%)	$553,000 (+10.29%) Land $310,000 Building $243,000	$644,860
2023	$5,952.00	$501,400 Land $262,800 Building $238,600

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

Flood

FEMA maps place 197 Andover 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	5 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 197 Andover 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 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 163 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: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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