22 Charme Rd, Billerica, MA 01821 Property Records

Middlesex County and Billerica Town property record for 22 Charme Rd, Billerica, MA 01821

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,673 sqft · built 1964
Lot Size	0.512 acres (22,298 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Jun 2025)
Tax Bill	$7,034 (2026)
Deeds & Mortgages	May 2025 Mortgage Jun 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`BILL M:0035 B:0069 L:0`

Property Details

APN / Parcel Number

Primary APN	`BILL M:0035 B:0069 L:0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,673 sqft Living Area
Gross Area	2,600 sqft
Basement Area	816 sqft
Unfinished Basement	571 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,298 sqft (0.512 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	22 CHARME RD
City	BILLERICA
State	MA
Zip	01821-2125
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2
Legal Block	69
Jurisdiction	BILLERICA MA
Township / Civil Division	BILLERICA
Census Block Group	1
Census Block	1006
Census Tract	316101

Owner

22 Charme Rd is owned and occupied by two individuals who bought it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	22 CHARME RD, BILLERICA, MA 01821-2125
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
May 5, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) CROSSCOUNTRY MORTGAGE INC
Jun 13, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage INSTITUTION FOR SAVINGS NEWBURYPORT
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2025 · Amount on File
Deed Sale	Jun 13, 2025 · Amount on File
Prior Sale	Dec 13, 1996 · Amount on File
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BILLERICA MA
Property Address	22 CHARME RD, BILLERICA, MA 01821-2125
Transaction Type	Mortgage
Record Updated	Nov 19, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000326276
Date	May 5, 2025
Instrument	326276

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BILLERICA MA
Recording Date	Jun 13, 2025
Property Address	22 CHARME RD, BILLERICA, MA 01821-2125
Document Number	0000326710
Instrument Date	Jun 13, 2025
Instrument	326710
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount on Record
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	Joint Tenants with Right of Survivorship
Address	22 CHARME RD, BILLERICA, MA 01821-2125

Mortgage

Document Number	0000326711
Date	Jun 13, 2025
Instrument	326711

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BILLERICA MA
Property Address	22 CHARME RD, BILLERICA, MA 01821-2125
Document Number	0000308505
Instrument Date	Nov 19, 2020
Transaction Type	Mortgage
Record Updated	Jan 12, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	22 CHARME RD BILLERICA MA 018212125, BILLERICA, MA 01821-2125

Mortgage

Document Number	0000308505
Date	Dec 21, 2020
Instrument	308505

Lender

Name	AMERISAVE MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 20, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 22 Charme Rd was $7,034, up 3.7% 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	$7,034.00 (+3.72%)	$605,900 (+1.58%) Land $316,400 Building $288,300	$706,135 (-)
2025	$6,782.00 (+5%)	$596,500 (+4.26%) Land $307,000 Building $289,500	$706,135 (+20.29%)
2024	$6,459.00 (-0.08%)	$572,100 (+5.05%) Land $297,300 Building $274,800	$587,005
2023	$6,464.00	$544,600 Land $270,500 Building $274,100

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

Flood

FEMA maps place 22 Charme Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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
Nearby Flood Claims	3 (1978–1987)
Most Recent Claim	Apr 1987 · Severe Storms & 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 22 Charme 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 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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