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54 River St, Billerica, MA, 01821

4beds
2baths
2,303sqft
$799,900
$347price/sqft
$5,433/moest. monthly cost
$217,320/yrincome needed

About This Home

Beautiful Colonial style home offering 2,303 sq ft of comfortable living space on a spacious 0.57-acre lot. This move in ready property features hardwood floors, a spacious living room, formal dining area, family room, two full baths, and a well-kept kitchen that provides a great foundation for adding your personal touch. The second floor includes four generous bedrooms, including a large primary with excellent closet space. The partially finished lower level adds approx. 850 sq ft of flexible space ideal for a family room, office, gym, or playroom. The home is equipped with solar panels, offering energy savings and predictable monthly costs. Enjoy a private backyard perfect for outdoor gatherings, gardening, or future improvements. Conveniently located near Billerica Memorial High School, Parker Elementary School, Billerica Public Library, local shops, parks, and major commuter routes. A solid, well cared for Colonial ready for its next owner to make it their own.

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

8/10
Parker Elementary SchoolGrades K-40.2 mi
4/10
Billerica Memorial High SchoolGrades PK,8-120.2 mi
6/10
Marshall Middle SchoolGrades 5-71.0 mi

Construction

Condition

  • Year built: 1961

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Dishwasher,Refrigerator,Washer,Dryer
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Sump Pump

Bathroom1

  • Features: Bathroom - Full, Countertops - Stone/Granite/Solid, Laundry Chute
  • Level: First

Bathroom2

  • Features: Bathroom - Full, Laundry Chute
  • Level: Second

Bedroom2

  • Features: Closet, Flooring - Hardwood
  • Level: Second

Bedroom3

  • Features: Closet, Flooring - Hardwood
  • Level: Second

Bedroom4

  • Features: Closet, Flooring - Hardwood
  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Closet, Flooring - Hardwood, Lighting - Pendant
  • Level: First

Family Room

  • Features: Flooring - Wall to Wall Carpet
  • Level: First

Features

  • Bonus Room
  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 425
  • Finished area above ground: 1,878

Heating & Cooling

  • Heating features: Baseboard,Oil
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 2,303
  • Total interior livable area: 2,303 sqft

Kitchen

  • Features: Closet/Cabinets - Custom Built, Flooring - Laminate
  • Level: First

Living Room

  • Features: Flooring - Hardwood
  • Level: First

Master Bathroom

  • Features: Yes

Master Bedroom

  • Features: Closet, Flooring - Hardwood
  • Level: Second

Property

Accessibility

  • Accessibility features: No

Details

  • Parcel number: M:0050 B:0061 L:0,370725
  • Zoning: 2

Features

  • Exterior features: Storage

Lot

  • Lot size: 0.57 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 4
  • Parking features: Paved
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Ice Storm
    Ice StormModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Ice Storm
Tsunami

FEMA Declared Disasters Across Massachusetts Counties

Hurricane

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,044$48,528
Home Insurance *$185$2,220
Property Taxes $750$9,000
Electricity $454$5,449
Total$5,433$65,196
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$186,274/yr
40% on housing$162,990/yr
45% on housing$144,880/yr

Massachusetts FAIR Plan Programs

Massachusetts Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 213,928Commercial: 230
Total Premiums$400.85M
Total Exposure$115.57B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$347This listing

vs Other Active Listings

Avg $/sqft

ZIP 01821$320
Middlesex County$437

vs Homes Sold Last Month

Median $/sqft

ZIP 01821$364
Middlesex County$413

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-24Listed for sale$799,900

For Sale by Agent

AgentCarolina Fernandes
BrokerageStartPoint Realty

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