Middlesex County and Reading Town property record for 1 Charles St, Apt X, Reading, MA 01867
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 1.5 ba · 1,768 sqft · built 1974 |
| Lot Size | 1.22 acres (53,171 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $620,000 (Jul 2026) |
| Tax Bill | $5,770 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Aug 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 87000000028X |
| Primary APN | 87000000028X |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,768 sqft Living Area |
| Gross Area | 1,972 sqft |
| Basement Area | 652 sqft |
| Unfinished Basement | 196 sqft |
| 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 |
| Heating Fuel | Gas |
| Account Number | 87000000028X |
|---|---|
| Street Address | 1 CHARLES ST, X |
| City | READING |
| State | MA |
| Zip | 01867-1759 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Subdivision | 01 CHARLES STREET CONDO |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 334400 |
1 Charles St, Apt X is owned and occupied by two individuals who bought it in July 2026.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1 CHARLES ST, X, READING, MA 01867-1759 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 8, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
| Aug 23, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Jun 20, 2023 | Condominium Deed, Transfer |
| Oct 15, 2021 | Condominium Deed, Transfer |
| Jul 15, 2021 | Condominium Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 8, 2026 · Amount on File |
| Deed Sale | Jul 8, 2026 · Amount on File |
| Prior Sale | Aug 23, 2023 · Amount on File |
| Deed Document Number | 202683673 |
| Deed Book / Page | 85848 / 294 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jul 8, 2026 |
| Property Address | 1 CHARLES ST, READING, MA 01867-1717 |
| Document Number | 0000083673 |
| Book / Page | 85848 / 294 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 202683673 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1 CHARLES ST, READING, MA 01867-1717 |
| Date | Jul 8, 2026 |
|---|
| Name | FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Aug 23, 2023 |
| Property Address | 1 CHARLES ST APT X, X, READING, MA 01867-1759 |
| Document Number | 081917-202 |
| Book / Page | 81917 / 202 |
| Instrument Date | Aug 23, 2023 |
| Instrument | 94692 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| 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 | Joint Tenants with Right of Survivorship |
| Address | 1 CHARLES ST APT X, X, READING, MA 01867-1759 |
| Document Number | 0000094693 |
|---|---|
| Date | Aug 23, 2023 |
| Instrument | 94693 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jun 20, 2023 |
| Property Address | 1 CHARLES ST APT X, X, READING, MA 01867-1759 |
| Document Number | 081674-119 |
| Book / Page | 81674 / 119 |
| Instrument Date | Jun 16, 2023 |
| Instrument | 66001 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1 CHARLES ST APT X, X, READING, MA 01867-1759 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Oct 15, 2021 |
| Property Address | 1 CHARLES ST APT X, X, READING, MA 01867-1759 |
| Document Number | 078923-576 |
| Book / Page | 78923 / 576 |
| Instrument Date | Oct 15, 2021 |
| Instrument | 227382 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Venture |
| Address | 1460 LITTLE RAVEN ST UNIT 2-405, 2-405, DENVER, CO 80202-1767 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jul 15, 2021 |
| Property Address | 1 CHARLES ST APT X, X, READING, MA 01867-1759 |
| Document Number | 078251-526 |
| Book / Page | 78251 / 526 |
| Instrument Date | Jul 9, 2021 |
| Instrument | 159757 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1 CHARLES ST APT X, X, READING, MA 01867-1759 |
The 2026 property tax bill for 1 Charles St, Apt X was $5,770, 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 | $5,770.00 (-0.72%) | $526,500 (+3.17%) Building $526,500 | $583,457 (-3.83%) |
| 2025 | $5,812.00 (+1.47%) | $510,300 (+4.42%) Building $510,300 | $606,670 (+2.05%) |
| 2024 | $5,728.00 (+5.31%) | $488,700 (+13.13%) Building $488,700 | $594,510 |
| 2023 | $5,439.00 | $432,000 Building $432,000 |
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 X 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 X 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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