48 Cunningham St, Wilmington, MA 01887 Property Records

Middlesex County and Wilmington Town property record for 48 Cunningham St, Wilmington, MA 01887

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,044 sqft · built 1966
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$399,900 (Jun 2013)
Tax Bill	$7,353 (2026)
Deeds & Mortgages	Jun 2021 Line of Credit Mar 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`WILM M:0069 L:0000 P:0111`

Property Details

APN / Parcel Number

Primary APN	`WILM M:0069 L:0000 P:0111`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,044 sqft Living Area
Gross Area	2,300 sqft
1st Floor Area	1,044 sqft
Basement Area	704 sqft
Unfinished Basement	704 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	48 CUNNINGHAM ST
City	WILMINGTON
State	MA
Zip	01887-1365
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Subdivision	PLAN 6036-E SHEET 05
Jurisdiction	WILMINGTON MA
Township / Civil Division	WILMINGTON
Census Block Group	2
Census Block	2011
Census Tract	331200

Owner

48 Cunningham St is owned and occupied by two individuals who acquired it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	48 CUNNINGHAM ST, WILMINGTON, MA 01887-1365
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
Jun 25, 2021	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
Mar 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
Jun 25, 2021	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
Mar 24, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP
May 13, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2013 · Amount on File
Deed Sale	Jun 3, 2013 · Amount on File
Prior Sale	Nov 1, 1993 · Amount on File
Deed Book / Page	209 / 197
Last Transfer Date	Mar 17, 2021
Transfer Doc	0000310041
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILMINGTON MA
Property Address	48 CUNNINGHAM ST, WILMINGTON, MA 01887-1365
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000311592
Date	Jun 25, 2021
Instrument	311592

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILMINGTON MA
Property Address	48 CUNNINGHAM ST, WILMINGTON, MA 01887-1365
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000310042
Date	Mar 24, 2021
Instrument	310042

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILMINGTON MA
Property Address	48 CUNNINGHAM ST, WILMINGTON, MA 01887-1365
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	311592
Date	Jun 25, 2021
Instrument	311592

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WILMINGTON MA
Recording Date	Mar 24, 2021
Property Address	48 CUNNINGHAM ST, WILMINGTON, MA 01887-1365
Document Number	310041
Instrument Date	Mar 17, 2021
Instrument	310041
Transaction Type	Transfer
Record Updated	May 12, 2021

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
Relationship	Tenants by the Entirety
Address	48 CUNNINGHAM ST, WILMINGTON, MA 01887-1365

Mortgage

Document Number	310042
Date	Mar 24, 2021
Instrument	310042

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILMINGTON MA
Property Address	48 CUNNINGHAM ST, WILMINGTON, MA 01887-1365
Document Number	0000300837
Instrument Date	May 13, 2019
Transaction Type	Mortgage
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 CUNNINGHAM ST WILMINGTON MA 018871365, WILMINGTON, MA 01887-1365

Mortgage

Document Number	0000300837
Date	Jun 4, 2019
Instrument	300837

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 48 Cunningham St was $7,353, up 7.5% from the year before.

Source: Middlesex County and Wilmington Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Wilmington Town
Unified School District	Wilmington School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,353.00 (+7.5%)	$644,400 (+7.87%) Land $294,800 Building $349,600	$712,722 (+8.2%)
2025	$6,840.00 (+0.93%)	$597,400 (+0.76%) Land $273,000 Building $324,400	$658,730 (+4.77%)
2024	$6,777.00 (+3.45%)	$592,900 (+8.06%) Land $273,000 Building $319,900	$628,710
2023	$6,551.00	$548,700 Land $248,100 Building $300,600

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

Flood

FEMA maps place 48 Cunningham St 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	1 in force
Nearby Flood Claims	2 (1987–2001)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2001 · Severe Storms And 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 48 Cunningham St 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 95% of the US · lower than 90% 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	WILMINGTON WATER DEPT serves 21,654 people · EPA ID MA3342000
Water Source	Purchased surface water from MWRA
Last State Inspection	Sep 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 237 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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