55 Cunningham St, Wilmington, MA 01887 Property Records

Middlesex County and Wilmington Town property record for 55 Cunningham St, Wilmington, MA 01887

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,084 sqft · built 1960
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Sep 1997)
Tax Bill	$6,247 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Oct 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`WILM M:0069 L:0000 P:0031`

Property Details

APN / Parcel Number

Primary APN	`WILM M:0069 L:0000 P:0031`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,084 sqft Living Area
Gross Area	1,893 sqft
1st Floor Area	533 sqft
Basement Area	525 sqft
Unfinished Basement	525 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	55 CUNNINGHAM ST
City	WILMINGTON
State	MA
Zip	01887-1363
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Jurisdiction	WILMINGTON MA
Township / Civil Division	WILMINGTON
Census Block Group	2
Census Block	2016
Census Tract	331200

Owner

55 Cunningham St is owned and occupied by two individuals who bought it in September 1997.

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

Owner of Record	2 Individual Names on File
Mailing Address	55 CUNNINGHAM ST, WILMINGTON, MA 01887-1363
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
Apr 12, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Oct 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Jun 24, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 1997 · Amount on File
Deed Sale	Sep 10, 1997 · Amount on File
Deed Book / Page	169 / 149
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILMINGTON MA
Property Address	55 CUNNINGHAM ST, WILMINGTON, MA 01887-1363
Transaction Type	Mortgage
Record Updated	Apr 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000315773
Date	Apr 12, 2022
Instrument	315773

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILMINGTON MA
Property Address	55 CUNNINGHAM ST, WILMINGTON, MA 01887-1363
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	313396
Date	Oct 15, 2021
Instrument	313396

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILMINGTON MA
Property Address	55 CUNNINGHAM ST, WILMINGTON, MA 01887-1363
Document Number	0000301326
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	55 CUNNINGHAM ST WILMINGTON MA 018871363, WILMINGTON, MA 01887-1363

Mortgage

Document Number	0000301326
Date	Jul 12, 2019
Instrument	301326

Lender

Name	AMERISAVE MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jul 11, 2044

Tax Assessment & Valuation

The 2026 property tax bill for 55 Cunningham St was $6,247, up 7.8% 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	$6,247.00 (+7.82%)	$547,500 (+8.2%) Land $270,600 Building $276,900	$633,200 (+6.87%)
2025	$5,794.00 (+1.58%)	$506,000 (+1.4%) Land $250,600 Building $255,400	$592,515 (+3.66%)
2024	$5,704.00 (+6.7%)	$499,000 (+11.46%) Land $250,600 Building $248,400	$571,615
2023	$5,346.00	$447,700 Land $227,800 Building $219,900

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

Flood

FEMA maps place 55 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 55 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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