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Single Family ResidenceResidential
$808,057$262 / 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 91How 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 $162,750 on Nov 1, 1994

48 RIVERBANK TER

BILLERICA, MA 01821
3
Beds
2
Baths
3,084 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.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
2
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.

Valuation

$808K
$734K low$882K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$162,750 · Nov 1, 1994
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.$502,019
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$401,615
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.38%
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.$306,038
JPMORGAN CHASE BANK NA · recorded May 9, 2011

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,553 (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.$664,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$272,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$392,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$800,470

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.37 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
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
CountyMIDDLESEX
Lot (acres)The size of the land the home sits on, from county records.0.18
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
PoolWhether the property has a pool, and what kind, such as in-ground.Yes
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

Transaction History(4)

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

48 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 82% of homes in Billerica 01821
  • Costs less per square foot than 97% of homes in Middlesex County
  • Bigger than 92% of homes in Billerica 01821
  • Has a smaller lot than 89% of homes in Billerica 01821
  • Newer than 84% 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 82% 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$808,057
CheaperTypical $671,467Pricier

Pricier than 82% of homes nearby

Price per ft²$262
CheaperTypical $369Pricier

Pricier than 7% of homes nearby

Living area3,084 ft²
SmallerTypical 1,872 ft²Bigger

Bigger than 92% of homes nearby

Lot size0.18 ac
SmallerTypical 0.57 acBigger

Bigger than 11% of homes nearby

Year built1994
OlderTypical 1969Newer

Newer than 83% of homes nearby

How 48 Riverbank Ter ranks against every home in each area.
MeasureThis homeBillerica 01821Middlesex County
Estimated valuepricier than$808,05782% of homes53% of homes
Price per ft²pricier than$2627% of homes3% of homes
Living areabigger than3,084 ft²92% of homes87% of homes
Lot sizebigger than0.18 ac11% of homes32% of homes
Year builtnewer than199483% of homes84% of homes

About 48 Riverbank Ter

How much is 48 Riverbank Ter, Billerica, MA worth?

The TopHap Estimate for 48 Riverbank Ter, Billerica, MA is $808,057 as of Jul 14, 2026. The likely range is $733,800 to $882,314. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 48 Riverbank Ter, Billerica, MA last sell?

48 Riverbank Ter, Billerica, MA last sold on Nov 1, 1994 for $162,750, according to the county's recorded deed.

How big is 48 Riverbank Ter, Billerica, MA?

48 Riverbank Ter, Billerica, MA has 3 bedrooms, 2 bathrooms, 3,084 square feet of living space and a 0.18-acre lot.

When was 48 Riverbank Ter, Billerica, MA built?

48 Riverbank Ter, Billerica, MA was built in 1994, making it 32 years old. The building has 2 stories.

What schools serve 48 Riverbank Ter, Billerica, MA?

48 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 48 Riverbank Ter, Billerica, MA compare to other homes in Billerica 01821?

Among the 10,003 homes in Billerica 01821, it is worth more than 82% of them ($808,057 against a typical $671,467), its price per square foot is higher than 7% of them ($262 against a typical $369), it is bigger than 92% of them (3,084 ft² against a typical 1,872 ft²), its lot is bigger than 11% of them (0.18 ac against a typical 0.57 ac) and it is newer than 83% of them (1994 against a typical 1969). Measured against all of Middlesex County, it is worth more than 53% 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 48 Riverbank Ter, Billerica, MA?

The 2025 property tax bill for 48 Riverbank Ter, Billerica, MA was $7,553. The county assessed it at $664,300.

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