Middlesex County and Reading Town property record for 10 Carnation Cir, #B, Reading, MA 01867
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2.5 ba · 1,683 sqft · built 1989 |
| Lot Size | 19 acres (828,746 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $680,000 (Mar 2025) |
| Tax Bill | $5,464 (2026) |
| Deeds & Mortgages | Dec 2021 Refinance Mar 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 68A00000110B |
| Primary APN | 68A00000110B |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,683 sqft Living Area |
| Basement Area | 203 sqft |
| Finished Basement | 203 sqft |
| Unfinished Basement | 203 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Other |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 828,746 sqft (19 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Account Number | 68A00000110B |
|---|---|
| Street Address | 10 CARNATION CIR, B |
| City | READING |
| State | MA |
| Zip | 01867-2774 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Subdivision | GREENHOUSE |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 334400 |
Source: Middlesex County and Reading Town records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 10 CARNATION CIR, B, READING, MA 01867-2774 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Dec 31, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA |
| Mar 14, 2025 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage M & T BANK |
| Feb 27, 2020 | Condominium Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 14, 2025 · Amount on Record |
| Deed Sale | Mar 14, 2025 · Amount on Record |
| Prior Sale | Feb 27, 2020 · Amount on Record |
| Deed Book / Page | 83856 / 530 |
| Prior Transfer Date | Mar 13, 2025 |
| Prior Transfer Doc | 083856-530 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 10 CARNATION CIR # B, B, READING, MA 01867-2774 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0079462-28 |
|---|---|
| Date | Dec 31, 2021 |
| Book Page | 79462/28 |
| Instrument | 281395 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jan 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Mar 14, 2025 |
| Property Address | 10 CARNATION CIR # B, B, READING, MA 01867-2774 |
| Document Number | 083856-530 |
| Book / Page | 83856 / 530 |
| Instrument Date | Mar 13, 2025 |
| Instrument | 26103 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Amount | Amount Recorded |
|---|---|
| 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 | 10 CARNATION CIR # B, B, READING, MA 01867-2774 |
| Document Number | 0000026104 |
|---|---|
| Date | Mar 14, 2025 |
| Instrument | 26104 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Apr 1, 2032 |
| Max Rate At Change | 3% |
| Index | Other |
| Margin | 3 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Feb 27, 2020 |
| Property Address | 10 CARNATION CIR # B, B, READING, MA 01867-2774 |
| Document Number | 74199-367 |
| Book / Page | 074199 / 000367 |
| Instrument Date | Feb 10, 2020 |
| Instrument | 29582 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,417.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 CARNATION CIR #B READING MA 018672774, B, READING, MA 01867-2774 |
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 | $5,464.00 (-3.17%) | $498,500 (+0.63%) Building $498,500 | $610,174 (-5%) |
| 2025 | $5,643.00 (-0.91%) | $495,400 (+1.96%) Building $495,400 | $642,295 (+2.61%) |
| 2024 | $5,695.00 (+1.73%) | $485,900 (+9.29%) Building $485,900 | $625,955 |
| 2023 | $5,598.00 | $444,600 Building $444,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 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.
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 | Direct burnable vegetation |
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 392 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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