Norfolk County and Millis Town property record for 81 Exchange St, Millis, MA 02054
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,200 sqft · built 1937 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $620,000 (May 2022) |
| Tax Bill | $10,827 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Oct 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | MILL M:023 B:0000035 |
| Primary APN | MILL M:023 B:0000035 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,200 sqft Living Area |
| Gross Area | 4,826 sqft |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1937 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,504 sqft (0.31 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 81 EXCHANGE ST |
|---|---|
| City | MILLIS |
| State | MA |
| Zip | 02054-1273 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 35 |
| Jurisdiction | MILLIS MA |
| Township / Civil Division | MILLIS |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 407101 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Millis Center Historic District listed 2007 · 171 contributing resources · NRIS 07000944 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
81 Exchange St is owned and occupied by two individuals who bought it in May 2022.
Source: Norfolk County and Millis Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 81 EXCHANGE ST, MILLIS, MA 02054-1273 |
| 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 |
|---|---|
| Jun 30, 2021 | Deed of Trust, Mortgage · ARM SANTANDER BANK NA |
| Oct 14, 2021 | Deed of Trust, Mortgage · Line of Credit WEBSTER FIRST FEDERAL CREDIT UNION |
| May 4, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GENEVA FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 4, 2022 · Amount on File |
| Deed Sale | May 4, 2022 · Amount on File |
| Prior Sale | Nov 30, 2016 · Amount on File |
| Deed Book / Page | 40515 / 144 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLIS MA |
| Property Address | 81 EXCHANGE ST, MILLIS, MA 02054-1273 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0039574-94 |
|---|---|
| Date | Jun 30, 2021 |
| Book Page | 39574/94 |
| Instrument | 85197 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.88% |
| Type Change Date | Jul 1, 2028 |
| Index | Other |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MILLIS MA |
| Property Address | 81 EXCHANGE ST, MILLIS, MA 02054-1273 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039957-394 |
|---|---|
| Date | Oct 14, 2021 |
| Book Page | 39957/394 |
| Instrument | 131680 |
| Name | WEBSTER FIRST FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MILLIS MA |
| Recording Date | May 4, 2022 |
| Property Address | 81 EXCHANGE ST, MILLIS, MA 02054-1273 |
| Document Number | 040515-144 |
| Book / Page | 40515 / 144 |
| Instrument Date | May 4, 2022 |
| Instrument | 39522 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 81 EXCHANGE ST, MILLIS, MA 02054-1273 |
| Document Number | 0000039523 |
|---|---|
| Date | May 4, 2022 |
| Instrument | 39523 |
| Name | GENEVA FINANCIAL LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 81 Exchange St was $10,827, up 6.8% from the year before.
Source: Norfolk County and Millis Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Norfolk County |
| County Subdivision | Millis Town |
| Unified School District | Millis School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,827.00 (+6.82%) | $660,200 (+6.95%) Land $231,100 Building $429,100 | $718,770 (+2.23%) |
| 2024 | $10,136.00 (+10.56%) | $617,300 (+17.76%) Land $213,300 Building $404,000 | $703,095 |
| 2023 | $9,168.00 | $524,200 Land $170,100 Building $354,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 81 Exchange St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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 81 Exchange St is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
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 | MILLIS WATER DEPT serves 9,055 people · EPA ID MA2187000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 155 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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