Middlesex County and Reading Town property record for 1 Charles St, Apt U, Reading, MA 01867
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 1.5 ba · 1,826 sqft · built 1974 |
| Lot Size | 1.22 acres (53,171 sqft) |
| Owner | Individual Name on File |
| Last Sale | $274,900 (Aug 2009) |
| Tax Bill | $6,016 (2026) |
| Deeds & Mortgages | Apr 2017 Mortgage Jul 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 87000000028U |
| Primary APN | 87000000028U |
|---|---|
| Alternative APNs |
|
| 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 | 1,826 sqft Living Area |
| 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 |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 87000000028U |
|---|---|
| Street Address | 1 CHARLES ST, U |
| 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 |
1 Charles St, Apt U is owned and occupied by an individual who bought it in August 2009.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1 CHARLES ST, U, READING, MA 01867-1759 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 5, 2017 | Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK |
| Jul 31, 2018 | Deed of Trust, Mortgage · FHA Mortgage FEDERAL SAVINGS BANK |
| May 1, 2019 | Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK |
| Apr 13, 2020 | Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK |
| Dec 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FEDERAL SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2009 · Amount on File |
| Deed Sale | Aug 7, 2009 · Amount on File |
| Prior Sale | Mar 1, 2002 · Amount on File |
| Deed Document Number | 2009156458 |
| Deed Book / Page | 53355 / 412 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 1 CHARLES ST APT U, U, READING, MA 01867-1759 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 069102-187 |
|---|---|
| Date | Apr 5, 2017 |
| Book Page | 69102/187 |
| Instrument | 49874 |
| Name | FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 1 CHARLES ST APT U, U, READING, MA 01867-1759 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 071397-514 |
|---|---|
| Date | Jul 31, 2018 |
| Book Page | 71397/514 |
| Instrument | 115051 |
| Name | FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 1 CHARLES ST APT U, U, READING, MA 01867-1759 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 072536-195 |
|---|---|
| Date | May 1, 2019 |
| Book Page | 72536/195 |
| Instrument | 55207 |
| Name | FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 313 Months |
| Due | Jun 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 1 CHARLES ST APT U, U, READING, MA 01867-1759 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 074451-477 |
|---|---|
| Date | Apr 13, 2020 |
| Book Page | 74451/477 |
| Instrument | 53860 |
| Name | FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 1 CHARLES ST APT U, U, READING, MA 01867-1759 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 079349-160 |
|---|---|
| Date | Dec 15, 2021 |
| Book Page | 79349/160 |
| Instrument | 269817 |
| Name | FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
The 2026 property tax bill for 1 Charles St, Apt U was $6,016, down 0.7% from the year before.
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,016.00 (-0.71%) | $548,900 (+3.18%) Building $548,900 | $561,484 (+4.55%) |
| 2025 | $6,059.00 (+1.47%) | $532,000 (+4.42%) Building $532,000 | $537,035 (+0.61%) |
| 2024 | $5,971.00 (+5.29%) | $509,500 (+13.12%) Building $509,500 | $533,805 |
| 2023 | $5,671.00 | $450,400 Building $450,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1 Charles St, Apt U 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.
The area around 1 Charles St, Apt U 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.
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 |
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures