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Single Family ResidenceResidential
$752,135$357 / 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 90How 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 $735,000 on Nov 19, 2025

46 RIVERBANK TER

BILLERICA, MA 01821
3
Beds
3 / 1
Baths
2,109 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.
0.16 ac
Lot SizeThe size of the land the home sits on, from county records.
1986
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$752K
$677K low$828K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$735,000 · Nov 19, 2025
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.$53,885
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$43,108
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.93%
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.$698,250
ROCKET MORTGAGE LLC · recorded Nov 19, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,906 (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.$607,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$269,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$338,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$607,400

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.94 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.minimal

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.Gambrel
CountyMiddlesex
Lot (acres)The size of the land the home sits on, from county records.0.16
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

Transaction History(13)

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 · 0.9 mi
M
Locke Middle SchoolB+
Middle · Grades 5–7 · 1.9 mi
H
Billerica Memorial High SchoolC
High · Grades 8–12 · 3.3 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

46 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 more than 72% of homes in Billerica 01821
  • Costs less per square foot than 80% of homes in Middlesex County
  • Has a smaller lot than 92% of homes in Billerica 01821
  • Newer than 78% 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 72% 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$752,135
CheaperTypical $671,467Pricier

Pricier than 72% of homes nearby

Price per ft²$357
CheaperTypical $369Pricier

Pricier than 43% of homes nearby

Living area2,109 ft²
SmallerTypical 1,872 ft²Bigger

Bigger than 64% of homes nearby

Lot size0.16 ac
SmallerTypical 0.57 acBigger

Bigger than 8% of homes nearby

Year built1986
OlderTypical 1969Newer

Newer than 76% of homes nearby

How 46 Riverbank Ter ranks against every home in each area.
MeasureThis homeBillerica 01821Middlesex County
Estimated valuepricier than$752,13572% of homes46% of homes
Price per ft²pricier than$35743% of homes20% of homes
Living areabigger than2,109 ft²64% of homes61% of homes
Lot sizebigger than0.16 ac8% of homes27% of homes
Year builtnewer than198676% of homes78% of homes

About 46 Riverbank Ter

How much is 46 Riverbank Ter, Billerica, MA worth?

The TopHap Estimate for 46 Riverbank Ter, Billerica, MA is $752,135 as of Jul 14, 2026. The likely range is $676,584 to $827,686. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 46 Riverbank Ter, Billerica, MA last sell?

46 Riverbank Ter, Billerica, MA last sold on Nov 19, 2025 for $735,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 46 Riverbank Ter, Billerica, MA?

46 Riverbank Ter, Billerica, MA has 3 bedrooms, 3 bathrooms, 2,109 square feet of living space and a 0.16-acre lot.

When was 46 Riverbank Ter, Billerica, MA built?

46 Riverbank Ter, Billerica, MA was built in 1986, making it 40 years old. It is a gambrel home. The building has 2 stories.

What schools serve 46 Riverbank Ter, Billerica, MA?

46 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 46 Riverbank Ter, Billerica, MA compare to other homes in Billerica 01821?

Among the 10,003 homes in Billerica 01821, it is worth more than 72% of them ($752,135 against a typical $671,467), its price per square foot is higher than 43% of them ($357 against a typical $369), it is bigger than 64% of them (2,109 ft² against a typical 1,872 ft²), its lot is bigger than 8% of them (0.16 ac against a typical 0.57 ac) and it is newer than 76% of them (1986 against a typical 1969). Measured against all of Middlesex County, it is worth more than 46% 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 46 Riverbank Ter, Billerica, MA?

The 2025 property tax bill for 46 Riverbank Ter, Billerica, MA was $6,906. The county assessed it at $607,400.

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