Middlesex County and Reading Town property record for 10 Birch Rd, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,615 sqft · built 1959 |
| Lot Size | 0.294 acres (12,828 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $807,000 (Oct 2022) |
| Tax Bill | $8,992 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage May 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:038.0-0000-0042.0 |
| Primary APN | READ M:038.0-0000-0042.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,615 sqft Living Area |
| Gross Area | 3,428 sqft |
| 1st Floor Area | 1,086 sqft |
| Basement Area | 912 sqft |
| Unfinished Basement | 429 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,828 sqft (0.294 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1340000001600 |
|---|---|
| Street Address | 10 BIRCH RD |
| City | READING |
| State | MA |
| Zip | 01867-1406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S20 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 334300 |
Source: Middlesex County and Reading Town assessment roll, APN READ M:038.0-0000-0042.0, as of 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 BIRCH RD, READING, MA 01867-1406 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 16, 2026 | Deed of Trust, Mortgage · ARM GUARANTEED RATE INC |
| May 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP |
| Oct 21, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 21, 2022 · Amount on Record |
| Deed Sale | Oct 21, 2022 · Amount on Record |
| Prior Sale | Dec 27, 2013 · Amount on Record |
| Deed Book / Page | 80851 / 436 |
| Transfer Doc | 47309-471 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 10 BIRCH RD, READING, MA 01867-1406 |
| Transaction Type | Mortgage |
| Record Updated | Apr 08, 2026 |
| Name | Verified Name |
|---|
| Document Number | 085342-419 |
|---|---|
| Date | Mar 16, 2026 |
| Book Page | 85342/419 |
| Instrument | 28234 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Apr 01, 2033 |
| Index | Other |
| Margin | 3 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 10 BIRCH RD, READING, MA 01867-1406 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 077864-206 |
|---|---|
| Date | May 26, 2021 |
| Book Page | 77864/206 |
| Instrument | 119233 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 01, 2041 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Oct 21, 2022 |
| Property Address | 10 BIRCH RD, READING, MA 01867-1406 |
| Document Number | 080851-436 |
| Book / Page | 80851 / 436 |
| Instrument Date | Oct 21, 2022 |
| Instrument | 156943 |
| Transaction Type | Transfer |
| Record Updated | Nov 11, 2022 |
| 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 | Tenants by the Entirety |
| Address | 10 BIRCH RD, READING, MA 01867-1406 |
| Document Number | 0000156944 |
|---|---|
| Date | Oct 21, 2022 |
| Instrument | 156944 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.38% |
| Type Change Date | Nov 01, 2029 |
| Max Rate At Change | 2.75% |
| Index | Other |
Source: Middlesex County and Reading Town assessment roll as of 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 | $8,992.00 (+1.11%) | $789,500 (+4.05%) Land $492,600 Building $296,900 | $963,585 (+3.19%) |
| 2024 | $8,893.00 (-3.98%) | $758,800 (+3.14%) Land $473,200 Building $285,600 | $933,755 |
| 2023 | $9,262.00 | $735,700 Land $426,700 Building $309,000 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), as of September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173343004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 3 (1978–2004) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Apr 2004 · Flooding |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection, 300 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system MA3246000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | READING WATER DEPARTMENT (MWRA) serves 26,262 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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