Middlesex County and Reading Town property record for 1 Charles St, Apt V, Reading, MA 01867
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 1.5 ba · 1,819 sqft · built 1974 |
| Lot Size | 1.22 acres (53,171 sqft) |
| Owner | Individual Name on File |
| Last Sale | $620,000 (Jul 2026) |
| Tax Bill | $6,048 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 87000000028V |
| Primary APN | 87000000028V |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Units | 25 Units |
| Stories | 2 Stories |
| Building Area | 1,819 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 |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 87000000028V |
|---|---|
| Street Address | 1 CHARLES ST, V |
| 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 V is owned and occupied by an individual who bought it in July 2026.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1 CHARLES ST, V, 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.
| Date | Document |
|---|---|
| Jul 16, 2026 | Condominium Deed, Transfer · Conventional Mortgage WEBSTER FIVE CENTS SAVINGS BANK |
| Jun 1, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 16, 2026 · Amount on File |
| Deed Sale | Jul 16, 2026 · Amount on File |
| Prior Sale | Jun 1, 2022 · Amount on File |
| Deed Document Number | 202688271 |
| Deed Book / Page | 85888 / 232 |
| Record Updated | Oct 29, 2026 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jul 16, 2026 |
| Property Address | 1 CHARLES ST, READING, MA 01867-1717 |
| Document Number | 0000088271 |
| Book / Page | 85888 / 232 |
| Instrument Date | Jul 11, 2026 |
| Instrument | 202688271 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1 CHARLES ST, READING, MA 01867-1717 |
| Date | Jul 16, 2026 |
|---|
| Name | WEBSTER FIVE CENTS SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Initial Type | Adjustable Rate |
| Type Change Date | Aug 1, 2033 |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jun 1, 2022 |
| Property Address | 1 CHARLES ST APT V, V, READING, MA 01867-1759 |
| Document Number | 080215-255 |
| Book / Page | 80215 / 255 |
| Instrument Date | Jun 1, 2022 |
| Instrument | 82665 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1 CHARLES ST APT V, V, READING, MA 01867-1759 |
| Document Number | 0000082666 |
|---|---|
| Date | Jun 1, 2022 |
| Instrument | 82666 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 1 Charles St, Apt V was $6,048, 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 | $6,048.00 (-0.71%) | $551,800 (+3.18%) Building $551,800 | $593,532 (-4.25%) |
| 2025 | $6,091.00 (+1.47%) | $534,800 (+4.41%) Building $534,800 | $619,875 (+1.43%) |
| 2024 | $6,003.00 (+5.3%) | $512,200 (+13.12%) Building $512,200 | $611,135 |
| 2023 | $5,701.00 | $452,800 Building $452,800 |
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 V 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 V 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 |
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