20 Harvard Rd, Billerica, MA 01821 Property Records

Middlesex County and Billerica Town property record for 20 Harvard Rd, Billerica, MA 01821

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,971 sqft · built 1989
Lot Size	0.384 acres (16,744 sqft)
Owner	2 Individual Names on Record
Last Sale	$660,000 (Dec 2022)
Tax Bill	$7,328 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`BILL M:0035 B:0003 L:1`

Property Details

APN / Parcel Number

Primary APN	`BILL M:0035 B:0003 L:1`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,971 sqft Living Area
Gross Area	3,022 sqft
Basement Area	782 sqft
Unfinished Basement	391 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	16,744 sqft (0.384 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	20 HARVARD RD
City	BILLERICA
State	MA
Zip	01821-1407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2
Legal Block	3
Legal Lot Number	1
Jurisdiction	BILLERICA MA
Township / Civil Division	BILLERICA
Census Block Group	2
Census Block	2019
Census Tract	316101

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Middlesex Canal listed 1972 · 3 contributing resources · NRIS 72000117

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	20 HARVARD RD, BILLERICA, MA 01821-1407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Dec 28, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WINCHESTER COOPERATIVE BANK
May 11, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Jul 14, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2022 · Amount on Record
Deed Sale	Dec 28, 2022 · Amount on Record
Prior Sale	Dec 2, 1999 · Amount on Record
Deed Document Number	202252183
Deed Book / Page	37599 / 232
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BILLERICA MA
Recording Date	Sep 21, 2026
Property Address	20 HARVARD RD, BILLERICA, MA 01821-1407
Document Number	0000031242
Book / Page	40362 / 29
Instrument Date	Sep 4, 2026
Instrument	202631242
Transaction Type	Mortgage
Record Updated	Oct 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 HARVARD RD, BILLERICA, MA 01821-1407

Mortgage

Document Number	0000031242,
Date	Sep 21, 2026
Book Page	40362/29
Instrument	202631242

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%

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BILLERICA MA
Recording Date	Dec 28, 2022
Property Address	20 HARVARD RD, BILLERICA, MA 01821-1407
Document Number	037599-232
Book / Page	37599 / 232
Instrument Date	Dec 28, 2022
Instrument	52183
Transaction Type	Transfer
Record Updated	Jan 13, 2023

Transaction

Amount	Amount Recorded
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	20 HARVARD RD, BILLERICA, MA 01821-1407

Mortgage

Document Number	0000052184
Date	Dec 28, 2022
Instrument	52184

Lender

Name	WINCHESTER COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Dec 28, 2029
Max Rate At Change	2.5%
Index	5-Year CMT

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BILLERICA MA
Property Address	20 HARVARD RD, BILLERICA, MA 01821-1407
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037051-200
Date	May 11, 2022
Book Page	37051/200
Instrument	20133

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BILLERICA MA
Property Address	20 HARVARD RD, BILLERICA, MA 01821-1407
Document Number	31345-188
Book / Page	031345 / 000188
Instrument Date	Jul 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31345-188
Date	Aug 1, 2017
Book Page	031345/000188
Instrument	33644

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$7,328.00 (+3.56%)	$631,200 (+1.43%) Land $299,400 Building $325,200	$657,305 (-)
2025	$7,076.00 (+3.13%)	$622,300 (+2.4%) Land $290,500 Building $331,800	$657,305 (+1.48%)
2024	$6,861.00 (+3.94%)	$607,700 (+9.28%) Land $284,700 Building $323,000	$647,710
2023	$6,601.00	$556,100 Land $248,500 Building $307,600

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 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 245 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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