1 Stonecleave Rd, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 1 Stonecleave Rd, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 4,082 sqft · built 1987
Lot Size	0.976 acres (42,515 sqft)
Owner	2 Individual Names on File
Last Sale	$637,000 (Sep 2014)
Tax Bill	$17,541 (2026)
Deeds & Mortgages	Aug 2021 Refinance May 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:45-P:088`

Property Details

APN / Parcel Number

Primary APN	`M:45-P:088`
Alternative APN	`NREA M:045.0 B:0000 L:0088.0`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,082 sqft Living Area
Gross Area	2,878 sqft
1st Floor Area	1,512 sqft
Basement Area	1,532 sqft
Unfinished Basement	1,532 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	42,515 sqft (0.976 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	1 STONECLEAVE RD
City	NORTH READING
State	MA
Zip	01864-1817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Lot Number	88.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	2
Census Block	2000
Census Tract	330102

Owner

1 Stonecleave Rd is owned and occupied by two individuals who bought it in September 2014.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	1 STONECLEAVE RD, NORTH READING, MA 01864-1817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC
May 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Oct 9, 2025	Deed of Trust, Mortgage BANK OF AMERICA NA
Oct 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2014 · Amount on File
Deed Sale	Sep 12, 2014 · Amount on File
Prior Sale	Mar 29, 1996 · Amount on File
Deed Book / Page	64225 / 180
Transfer Doc	064225-180
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	1 STONECLEAVE RD, NORTH READING, MA 01864-1817
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078580-194
Date	Aug 30, 2021
Book Page	78580/194
Instrument	193415

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	1 STONECLEAVE RD, NORTH READING, MA 01864-1817
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0077861-90
Date	May 26, 2021
Book Page	77861/90
Instrument	118948

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	481 Months
Due	Jun 1, 2061

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	1 STONECLEAVE RD, NORTH READING, MA 01864-1817
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084715-300
Date	Oct 9, 2025
Book Page	84715/300
Instrument	122541

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	1 STONECLEAVE RD, NORTH READING, MA 01864-1817
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	075862-431
Date	Oct 13, 2020
Book Page	75862/431
Instrument	184645

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 1 Stonecleave Rd was $17,541, up 1.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$17,541.00 (+1.81%)	$1,347,200 (+2.12%) Land $506,000 Building $841,200	$1,234,109
2025	$17,229.00 (+2.76%)	$1,319,200 (+3.93%) Land $506,000 Building $813,200
2024	$16,767.00 (+0.13%)	$1,269,300 (+6.04%) Land $456,100 Building $813,200
2023	$16,746.00	$1,197,000 Land $447,400 Building $749,600

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

Flood

FEMA maps place 1 Stonecleave Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Wildfire risk around 1 Stonecleave Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000
Water Source	Purchased surface water from ANDOVER WATER DEPT
Last State Inspection	Dec 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2020
Treatment and Procedure	Coliform assessment Aug 2019
Monitoring and Reporting	1 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 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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