4 Emerson Rd, Billerica, MA 01821 Property Records

Middlesex County and Billerica Town property record for 4 Emerson Rd, Billerica, MA 01821

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,798 sqft · built 1971
Lot Size	1.13 acres (49,397 sqft)
Owner	Individual Name on File
Tax Bill	$7,798 (2026)
Deeds & Mortgages	Sep 2022 Mortgage Jul 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`BILL M:0034 B:0206 L:0`

Property Details

APN / Parcel Number

Primary APN	`BILL M:0034 B:0206 L:0`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,798 sqft Living Area
Gross Area	2,322 sqft
Basement Area	1,100 sqft
Unfinished Basement	440 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	49,397 sqft (1.13 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4 EMERSON RD
City	BILLERICA
State	MA
Zip	01821-1436
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	3
Legal Block	206
Jurisdiction	BILLERICA MA
Township / Civil Division	BILLERICA
Census Block Group	2
Census Block	2021
Census Tract	316101

Owner

4 Emerson Rd is owned and occupied by an individual who acquired it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	4 EMERSON RD, BILLERICA, MA 01821-1436
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 14, 2022	Quit Claim Deed, Transfer · ARM NORTHERN BANK & TRUST CO
Jul 13, 2022	Deed of Trust, Mortgage · Line of Credit NORTHERN BANK & TRUST CO
May 6, 2022	Deed of Trust, Mortgage · Line of Credit NORTHERN BANK & TRUST CO
Dec 27, 2021	Deed of Trust, Mortgage · ARM NORTHERN BANK & TRUST CO
Jul 27, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 9, 2022
Transfer Doc	037374-141
Record Updated	Oct 29, 2026

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BILLERICA MA
Recording Date	Sep 14, 2022
Property Address	4 EMERSON RD, BILLERICA, MA 01821-1436
Document Number	037374-141
Book / Page	37374 / 141
Instrument Date	Sep 9, 2022
Instrument	38722
Transaction Type	Transfer
Record Updated	Sep 30, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 EMERSON RD, BILLERICA, MA 01821-1436

Mortgage

Document Number	037374-145
Date	Sep 14, 2022
Book Page	37374/145
Instrument	38723

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.88%
Type Change Date	Oct 1, 2032
Index	1-Year CMT
Margin	3

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BILLERICA MA
Property Address	4 EMERSON RD, BILLERICA, MA 01821-1436
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037223-97
Date	Jul 13, 2022
Book Page	37223/97
Instrument	29839

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BILLERICA MA
Property Address	4 EMERSON RD, BILLERICA, MA 01821-1436
Transaction Type	Mortgage
Record Updated	May 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037041-19
Date	May 6, 2022
Book Page	37041/19
Instrument	19549

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BILLERICA MA
Property Address	4 EMERSON RD, BILLERICA, MA 01821-1436
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036665-164
Date	Dec 27, 2021
Book Page	36665/164
Instrument	74631

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jan 1, 2029
Index	1-Year CMT

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BILLERICA MA
Recording Date	Jul 27, 2021
Property Address	4 EMERSON RD, BILLERICA, MA 01821-1436
Document Number	036055-186
Book / Page	36055 / 186
Instrument Date	Jul 27, 2021
Instrument	44194
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Lis Pendens Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4 EMERSON RD, BILLERICA, MA 01821-1436

Tax Assessment & Valuation

The 2026 property tax bill for 4 Emerson Rd was $7,798, up 3.8% 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	$7,798.00 (+3.85%)	$671,700 (+1.71%) Land $382,300 Building $281,900	$502,835 (-)
2025	$7,509.00 (+7.06%)	$660,400 (+6.29%) Land $371,000 Building $289,400	$502,835 (-13.5%)
2024	$7,014.00 (+16.55%)	$621,300 (+22.54%) Land $363,600 Building $257,700	$581,305
2023	$6,018.00	$507,000 Land $317,400 Building $189,600

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

Flood

FEMA maps place 4 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 4 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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