3 Emerson Rd, Billerica, MA 01821 Property Records

Middlesex County and Billerica Town property record for 3 Emerson Rd, Billerica, MA 01821

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,073 sqft · built 1971
Lot Size	0.666 acres (29,011 sqft)
Owner	2 Individual Names on File
Last Sale	$399,900 (Aug 2016)
Tax Bill	$7,653 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit Jun 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`BILL M:0034 B:0048 L:1`

Property Details

APN / Parcel Number

Primary APN	`BILL M:0034 B:0048 L:1`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,073 sqft Living Area
Gross Area	2,406 sqft
Basement Area	1,100 sqft
Unfinished Basement	165 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,011 sqft (0.666 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	3 EMERSON RD
City	BILLERICA
State	MA
Zip	01821-1422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2
Legal Block	48
Legal Lot Number	1
Jurisdiction	BILLERICA MA
Township / Civil Division	BILLERICA
Census Block Group	2
Census Block	2024
Census Tract	316101

Owner

3 Emerson Rd is owned and occupied by two individuals who bought it in August 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 EMERSON RD, BILLERICA, MA 01821-1422
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 13, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MSA LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2016 · Amount on File
Deed Sale	Aug 30, 2016 · Amount on File
Deed Book / Page	30386 / 224
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BILLERICA MA
Property Address	3 EMERSON RD, BILLERICA, MA 01821-1422
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00037223-9
Date	Jul 13, 2022
Book Page	37223/9
Instrument	29826

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BILLERICA MA
Property Address	3 EMERSON RD, BILLERICA, MA 01821-1422
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	34192-238
Date	Jun 2, 2020
Book Page	34192/238
Instrument	23604

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 3 Emerson Rd was $7,653, up 4% 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	$7,653.00 (+4.04%)	$659,200 (+1.89%) Land $337,000 Building $321,500	$613,320 (-)
2025	$7,356.00 (+9.3%)	$647,000 (+8.54%) Land $327,000 Building $320,000	$613,320 (+1.77%)
2024	$6,730.00 (+4.18%)	$596,100 (+9.54%) Land $320,400 Building $275,700	$602,680
2023	$6,460.00	$544,200 Land $279,700 Building $264,500

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

Flood

FEMA maps place 3 Emerson Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 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

Wildfire risk around 3 Emerson 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 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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