Middlesex County and Billerica Town property record for 43 Chatham Rd, Billerica, MA 01821
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 5 ba · 3,890 sqft · built 1984 |
| Lot Size | 1.15 acres (50,181 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $75,807 (Aug 2019) |
| Tax Bill | $11,810 (2026) |
| Deeds & Mortgages | Sep 2025 Mortgage Nov 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | BILL M:0054 B:0157 L:0 |
| Primary APN | BILL M:0054 B:0157 L:0 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 3,890 sqft Living Area |
| Gross Area | 5,611 sqft |
| Basement Area | 2,048 sqft |
| Unfinished Basement | 410 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 50,181 sqft (1.15 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 43 CHATHAM RD |
|---|---|
| City | BILLERICA |
| State | MA |
| Zip | 01821-3077 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 3 |
| Legal Block | 157 |
| Jurisdiction | BILLERICA MA |
| Township / Civil Division | BILLERICA |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 316101 |
43 Chatham Rd, a duplex, is owned and occupied by two individuals who bought it in August 2019.
Source: Middlesex County and Billerica Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 43 CHATHAM RD, BILLERICA, MA 01821-3077 |
| 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.
| Date | Document |
|---|---|
| Sep 26, 2025 | Deed of Trust, Mortgage HARBORONE BANK |
| Nov 2, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE |
| Apr 6, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW JERSEY LENDERS CORP |
| Aug 7, 2019 | Grant Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2019 · Amount on File |
| Deed Sale | Aug 7, 2019 · Amount on File |
| Prior Sale | Mar 19, 2008 · Amount on File |
| Deed Document Number | 201932795 |
| Deed Book / Page | 33230 / 105 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BILLERICA MA |
| Property Address | 43 CHATHAM RD, BILLERICA, MA 01821-3077 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0039545-12 |
|---|---|
| Date | Sep 26, 2025 |
| Book Page | 39545/12 |
| Instrument | 30463 |
| Name | HARBORONE BANK |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BILLERICA MA |
| Property Address | 43 CHATHAM RD, BILLERICA, MA 01821-3077 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36459-49 |
|---|---|
| Date | Nov 2, 2021 |
| Book Page | 36459/49 |
| Instrument | 64021 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BILLERICA MA |
| Property Address | 43 CHATHAM RD, BILLERICA, MA 01821-3077 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 35584-114 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | 35584/114 |
| Instrument | 20506 |
| Name | NEW JERSEY LENDERS CORP |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2041 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | BILLERICA MA |
| Recording Date | Aug 7, 2019 |
| Property Address | 43 CHATHAM RD, BILLERICA, MA 01821-3077 |
| Document Number | 33230-105 |
| Book / Page | 033230 / 000105 |
| Instrument Date | Jul 29, 2019 |
| Instrument | 32795 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $345.68 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 43 CHATHAM RD BILLERICA MA 018213077, BILLERICA, MA 01821-3077 |
The 2026 property tax bill for 43 Chatham Rd was $11,810, up 3.3% from the year before.
Source: Middlesex County and Billerica Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Billerica Town |
| Unified School District | Billerica School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $11,810.00 (+3.26%) | $1,017,200 (+1.12%) Land $393,300 Building $601,400 | $830,781 |
| 2025 | $11,437.00 (+9.35%) | $1,005,900 (+8.58%) Land $382,000 Building $623,900 | |
| 2024 | $10,459.00 (+2.42%) | $926,400 (+7.68%) Land $374,100 Building $552,300 | |
| 2023 | $10,212.00 | $860,300 Land $327,500 Building $532,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 43 Chatham Rd in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 19 individual policies |
| Nearby Flood Policies | 21 units insured incl. 2 condo units |
| Nearby Flood Claims | 19 (1979–2010) |
| Claims Outside the SFHA | 4 of 19 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 43 Chatham 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 97% of the US · lower than 94% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 184 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 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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