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Single Family ResidenceResidential
$951,869$362 / 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 Aug 30, 2026
Last sold for $330,000 on Jul 13, 2001

20 COTTAGE ST

BILLERICA, MA 01821
3
Beds
2
Baths
2,630 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.
0.92 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
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

$952K
$903K low$1M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$330,000 · Jul 13, 2001

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,417 (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.$740,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$359,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$380,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$751,830

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.12 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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.Colonial
CountyMIDDLESEX
Lot (acres)The size of the land the home sits on, from county records.0.92
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
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.Yes

Transaction History(6)

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.

M
Locke Middle SchoolB+
Middle · Grades 5–7 · 1.9 mi
H
Billerica Memorial High SchoolC
High · Grades 8–12 · 2.2 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%

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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

20 Cottage St 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 93% of homes in Billerica 01821
  • Costs less per square foot than 77% of homes in Middlesex County
  • Bigger than 84% of homes in Billerica 01821
  • Has a bigger lot than 79% of homes in Billerica 01821
  • Newer than 85% 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
$276K$1.1M

This home is worth more than 93% 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$951,869
CheaperTypical $684,517Pricier

Pricier than 93% of homes nearby

Price per ft²$362
CheaperTypical $378Pricier

Pricier than 41% of homes nearby

Living area2,630 ft²
SmallerTypical 1,871 ft²Bigger

Bigger than 84% of homes nearby

Lot size0.92 ac
SmallerTypical 0.57 acBigger

Bigger than 79% of homes nearby

Year built1995
OlderTypical 1970Newer

Newer than 84% of homes nearby

How 20 Cottage St ranks against every home in each area.
MeasureThis homeBillerica 01821Middlesex County
Estimated valuepricier than$951,86993% of homes66% of homes
Price per ft²pricier than$36241% of homes23% of homes
Living areabigger than2,630 ft²84% of homes78% of homes
Lot sizebigger than0.92 ac79% of homes76% of homes
Year builtnewer than199584% of homes85% of homes

About 20 Cottage St

How much is 20 Cottage St, Billerica, MA worth?

The TopHap Estimate for 20 Cottage St, Billerica, MA is $951,869 as of Aug 30, 2026. The likely range is $902,876 to $1,000,862. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Cottage St, Billerica, MA last sell?

20 Cottage St, Billerica, MA last sold on Jul 13, 2001 for $330,000, according to the county's recorded deed.

How big is 20 Cottage St, Billerica, MA?

20 Cottage St, Billerica, MA has 3 bedrooms, 2 bathrooms, 2,630 square feet of living space and a 0.92-acre lot.

When was 20 Cottage St, Billerica, MA built?

20 Cottage St, Billerica, MA was built in 1995, making it 31 years old. It is a colonial home. The building has 2 stories.

What schools serve 20 Cottage St, Billerica, MA?

20 Cottage St, Billerica, MA is assigned to 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 20 Cottage St, Billerica, MA compare to other homes in Billerica 01821?

Among the 10,003 homes in Billerica 01821, it is worth more than 93% of them ($951,869 against a typical $684,517), its price per square foot is higher than 41% of them ($362 against a typical $378), it is bigger than 84% of them (2,630 ft² against a typical 1,871 ft²), its lot is bigger than 79% of them (0.92 ac against a typical 0.57 ac) and it is newer than 84% of them (1995 against a typical 1970). Measured against all of Middlesex County, it is worth more than 66% 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 20 Cottage St, Billerica, MA?

The 2025 property tax bill for 20 Cottage St, Billerica, MA was $8,417. The county assessed it at $740,300.

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