1 Charles St, Apt N, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 1 Charles St, Apt N, Reading, MA 01867

Property Summary

Property Type	Condominium
Details	3 bd · 1.5 ba · 1,821 sqft · built 1974
Lot Size	1.22 acres (53,171 sqft)
Owner	Individual Name on File
Last Sale	$570,000 (Dec 2025)
Tax Bill	$5,797 (2026)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`87000000028N`

Property Details

APN / Parcel Number

Primary APN	`87000000028N`
Alternative APNs	`READ M:022.0-0714-0261.0` `M:022.0=0714=0261.0` `870000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Units	25 Units
Stories	2 Stories
Building Area	1,821 sqft Living Area
Gross Area	1,972 sqft
Basement Area	652 sqft
Unfinished Basement	143 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Other
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Flat
Roof Material	Other
Lot Area	53,171 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	87000000028N
Street Address	1 CHARLES ST, N
City	READING
State	MA
Zip	01867-1759
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	2
Census Block	2015
Census Tract	334400

Owner

1 Charles St, Apt N is owned and occupied by an individual who bought it in December 2025.

Source: Middlesex County and Reading Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	1 CHARLES ST, N, READING, MA 01867-1759
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2025 · Amount on File
Deed Sale	Dec 30, 2025 · Amount on File
Prior Sale	Oct 24, 2008 · Amount on File
Deed Book / Page	85068 / 238
Record Updated	Oct 29, 2026

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Dec 30, 2025
Property Address	1 CHARLES ST APT N, N, READING, MA 01867-1759
Document Number	085068-238
Book / Page	85068 / 238
Instrument Date	Dec 30, 2025
Instrument	160150
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CHARLES ST APT N, N, READING, MA 01867-1759

Mortgage

Document Number	0000160151
Date	Dec 30, 2025
Instrument	160151

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jan 1, 2033
Index	1-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 1 Charles St, Apt N was $5,797, down 0.7% from the year before.

Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Reading Town
Unified School District	Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,797.00 (-0.74%)	$528,900 (+3.16%) Building $528,900	$562,790 (+16.43%)
2025	$5,840.00 (+1.48%)	$512,700 (+4.42%) Building $512,700	$483,360 (-12.2%)
2024	$5,755.00 (+5.33%)	$491,000 (+13.13%) Building $491,000	$550,525
2023	$5,464.00	$434,000 Building $434,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1 Charles St, Apt N in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1981)
Most Recent Claim	Feb 1981 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 1 Charles St, Apt N has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	READING WATER DEPARTMENT (MWRA) serves 26,262 people · EPA ID MA3246000
Water Source	Purchased surface water from MWRA
Last State Inspection	Nov 2023
Lead	8 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli not recorded as resolved · Oct 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20