Middlesex County and North Reading Town property record for 10 Hemlock Rd, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,616 sqft · built 1956 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $760,000 (Jun 2023) |
| Tax Bill | $8,675 (2026) |
| Deeds & Mortgages | Oct 2024 Refinance Jun 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:74-P:030 |
| Primary APN | M:74-P:030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,616 sqft Living Area |
| Gross Area | 1,184 sqft |
| 1st Floor Area | 1,184 sqft |
| Basement Area | 1,184 sqft |
| Unfinished Basement | 1,184 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,780 sqft (0.5 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 10 HEMLOCK RD |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2937 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 30.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 330101 |
10 Hemlock Rd is owned and occupied by two individuals who bought it in June 2023.
Source: Middlesex County and North Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 HEMLOCK RD, NORTH READING, MA 01864-2937 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Oct 22, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance MEGA CAP FUNDING INC |
| Jun 30, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 14, 2017 | Quit Claim Deed, Transfer · Conventional with PMI HARVARD UNIV CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2023 · Amount on File |
| Deed Sale | Jun 30, 2023 · Amount on File |
| Prior Sale | Jul 14, 2017 · Amount on File |
| Deed Book / Page | 81723 / 265 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 10 HEMLOCK RD, NORTH READING, MA 01864-2937 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 083377-237 |
|---|---|
| Date | Oct 22, 2024 |
| Book Page | 83377/237 |
| Instrument | 119882 |
| Name | MEGA CAP FUNDING INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Jun 30, 2023 |
| Property Address | 10 HEMLOCK RD, NORTH READING, MA 01864-2937 |
| Document Number | 081723-265 |
| Book / Page | 81723 / 265 |
| Instrument Date | Jun 30, 2023 |
| Instrument | 71807 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2023 |
| 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 | 10 HEMLOCK RD, NORTH READING, MA 01864-2937 |
| Document Number | 0000071808 |
|---|---|
| Date | Jun 30, 2023 |
| Instrument | 71808 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Jul 14, 2017 |
| Property Address | 10 HEMLOCK RD, NORTH READING, MA 01864-2937 |
| Document Number | 69605-207 |
| Book / Page | 069605 / 000207 |
| Instrument Date | Jul 12, 2017 |
| Instrument | 110190 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,280.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10 HEMLOCK RD NORTH READING MA 018642937, NORTH READING, MA 01864-2937 |
| Document Number | 69605-211 |
|---|---|
| Date | Jul 14, 2017 |
| Book Page | 069605/000211 |
| Instrument | 110191 |
| Name | HARVARD UNIV CU |
|---|---|
| Type | Credit Union |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 13, 2047 |
The 2026 property tax bill for 10 Hemlock Rd was $8,675, up 0.4% from the year before.
Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,675.00 (+0.38%) | $666,300 (+0.7%) Land $424,900 Building $241,400 | $761,484 |
| 2025 | $8,642.00 (+4.7%) | $661,700 (+5.91%) Land $393,500 Building $268,200 | |
| 2024 | $8,254.00 (+1.61%) | $624,800 (+7.61%) Land $364,300 Building $260,500 | |
| 2023 | $8,123.00 | $580,600 Land $352,600 Building $228,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Hemlock Rd in Zone X, an area of minimal flood risk.
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 |
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 risk around 10 Hemlock 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 | 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 152 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 |
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