Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$621,984$430 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $312,000 on Nov 17, 2004

21 RIVERBANK TER

BILLERICA, MA 01821
3
Beds
1.5
Baths
1,447 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.68 ac
Lot SizeThe size of the land the home sits on, from county records.
1970
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$622K
$593K low$651K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$312,000 · Nov 17, 2004
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$309,984
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$247,987
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.49%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$312,000
BANK OF AMERICA · recorded Nov 17, 2004

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,535 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$574,800 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$329,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$245,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$566,010

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.90 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Split Foyer
CountyMIDDLESEX
Lot (acres)The size of the land the home sits on, from county records.0.68
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Thomas DitsonC
Elementary · Grades KG–4 · 0.8 mi
M
Locke Middle SchoolB+
Middle · Grades 5–7 · 2.0 mi
H
Billerica Memorial High SchoolC
High · Grades 8–12 · 3.4 mi

District: Billerica School District

Neighborhood · ZIP 01821These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.40
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.100
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.82

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.98%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.28%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.31,495
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,857 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$133,460
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$152,991
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

21 Riverbank Ter measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 72% of homes in Middlesex County
  • Costs more per square foot than 80% of homes in Billerica 01821
  • Smaller than 77% of homes in Billerica 01821
  • Has a bigger lot than 71% of homes in Middlesex County

What homes are worth in Billerica 01821

Each bar is how many homes fall in that price range. The marker is this home.

This home
$282K$1.1M

This home is worth more than 36% of homes in Billerica 01821.

How it measures up in Billerica 01821

The dot is this home. The mark in the middle is the typical home in Billerica 01821.

Estimated value$621,984
CheaperTypical $671,467Pricier

Pricier than 36% of homes nearby

Price per ft²$430
CheaperTypical $369Pricier

Pricier than 80% of homes nearby

Living area1,447 ft²
SmallerTypical 1,872 ft²Bigger

Bigger than 23% of homes nearby

Lot size0.68 ac
SmallerTypical 0.57 acBigger

Bigger than 60% of homes nearby

Year built1970
OlderTypical 1969Newer

Newer than 53% of homes nearby

How 21 Riverbank Ter ranks against every home in each area.
MeasureThis homeBillerica 01821Middlesex County
Estimated valuepricier than$621,98436% of homes28% of homes
Price per ft²pricier than$43080% of homes41% of homes
Living areabigger than1,447 ft²23% of homes33% of homes
Lot sizebigger than0.68 ac60% of homes71% of homes
Year builtnewer than197053% of homes64% of homes

About 21 Riverbank Ter

How much is 21 Riverbank Ter, Billerica, MA worth?

The TopHap Estimate for 21 Riverbank Ter, Billerica, MA is $621,984 as of Jul 14, 2026. The likely range is $593,049 to $650,919. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 21 Riverbank Ter, Billerica, MA last sell?

21 Riverbank Ter, Billerica, MA last sold on Nov 17, 2004 for $312,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 21 Riverbank Ter, Billerica, MA?

21 Riverbank Ter, Billerica, MA has 3 bedrooms, 1.5 bathrooms, 1,447 square feet of living space and a 0.68-acre lot.

When was 21 Riverbank Ter, Billerica, MA built?

21 Riverbank Ter, Billerica, MA was built in 1970, making it 56 years old. It is a split foyer home. The building has 1 story.

What schools serve 21 Riverbank Ter, Billerica, MA?

21 Riverbank Ter, Billerica, MA is assigned to Thomas Ditson (elementary), rated C; Locke Middle School (middle), rated B+; Billerica Memorial High School (high), rated C. All sit in Billerica School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 21 Riverbank Ter, Billerica, MA compare to other homes in Billerica 01821?

Among the 10,003 homes in Billerica 01821, it is worth more than 36% of them ($621,984 against a typical $671,467), its price per square foot is higher than 80% of them ($430 against a typical $369), it is bigger than 23% of them (1,447 ft² against a typical 1,872 ft²), its lot is bigger than 60% of them (0.68 ac against a typical 0.57 ac) and it is newer than 53% of them (1970 against a typical 1969). Measured against all of Middlesex County, it is worth more than 28% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 21 Riverbank Ter, Billerica, MA?

The 2025 property tax bill for 21 Riverbank Ter, Billerica, MA was $6,535. The county assessed it at $574,800.

More homes on Riverbank Ter

Closest homes

More homes in Billerica 01821

Assigned schools

Explore the area

See this home in context

Open 21 Riverbank Ter on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map