Middlesex County and Reading Town property record for 1 Charles St, Reading, MA 01867 · Last verified July 2026
| Property Type | Residential > Condominium / Townhouse > Condominium |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1974 |
| Square Footage | 1,768 sqft Living Area |
| Lot Size | 1.22 acres |
| Occupancy | Owner Occupied |
| Last Sale | $582,000 (2024) |
| Tax Bill | $6,628.00 (2025) |
Source: Middlesex County and Reading Town records · APN 87000000028T
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1 CHARLES ST, READING, MA 01867-1717 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Date | Document |
|---|---|
| Apr 11, 2024 | Quit Claim Arm's Length for NE States, Transfer · Adjustable Rate Mortgage (ARM) LEADER BANK NA |
| Feb 28, 2022 | Condominium Deed, Transfer · Stand Alone First Mortgage SALEM FIVE MORTGAGE CORP |
| Apr 10, 2019 | Deed of Trust, Mortgage · Line of Credit CENTURY BANK & TRUST |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 11, 2024 · Amount on Record |
| Deed Sale | Apr 11, 2024 · Amount on Record |
| Prior Sale | Feb 28, 2022 · Amount on Record |
| Deed Book / Page | 82658 / 505 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Apr 11, 2024 |
| Property Address | 1 CHARLES ST APT T, T, READING, MA 01867-1759 |
| Document Number | 082658-505 |
| Book / Page | 82658 / 505 |
| Instrument Date | Mar 29, 2024 |
| Instrument | 36548 |
| Transaction Type | Transfer |
| Record Updated | Oct 02, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 1 CHARLES ST APT T, T, READING, MA 01867-1759 |
| Document Number | 0000036549 |
|---|---|
| Date | Apr 11, 2024 |
| Instrument | 36549 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.49% |
| Type Change Date | May 01, 2031 |
| Index | 1-Year CMT |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Feb 28, 2022 |
| Property Address | 1 CHARLES ST APT T, T, READING, MA 01867-1759 |
| Document Number | 0079750-31 |
| Book / Page | 79750 / 31 |
| Instrument Date | Feb 28, 2022 |
| Instrument | 31072 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| 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 APT T, T, READING, MA 01867-1759 |
| Document Number | 0000031073 |
|---|---|
| Date | Feb 28, 2022 |
| Instrument | 31073 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 1 CHARLES ST APT T, T, READING, MA 01867-1759 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 72438-220 |
|---|---|
| Date | Apr 10, 2019 |
| Book Page | 72438/220 |
| Instrument | 44219 |
| Name | CENTURY BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 01, 2039 |
Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,628.00 (+1.5%) | $581,900 (+4.43%) Building $581,900 | $541,975 (+0.28%) |
| 2024 | $6,530.00 (+20.06%) | $557,200 (+28.98%) Building $557,200 | $540,455 |
| 2023 | $5,439.00 | $432,000 Building $432,000 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 87000000028T |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 5 Rooms |
| Units | 25 Units |
| Building Area | 1,768 sqft Living Area |
| Gross Area | 1,972 sqft Gross Area |
| Basement Area | 652 sqft Basement |
| Unfinished Basement | 196 sqft Unfinished |
| Stories | 2 Stories |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Other Style |
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Flat Roof Construction |
| Roof Material | Other (not Classified) Roof |
| Lot Area | 53,171 sqft |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Account Number | 87000000028T |
|---|---|
| Street Address | 1 CHARLES ST |
| City | READING |
| State | MA |
| Zip | 01867-1717 |
| Property Usage | Residential Property Usage |
| Type | Residential > Condominium / Townhouse > Condominium |
| Legal Subdivision | 01 CHARLES STREET CONDO |
| Jurisdiction | READING MA |
| Minor Civil Division | READING |
| Census Blockgroup | 2 |
| Census Block | 2015 |
| Census Tract | 334400 |
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