10 Minot St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 10 Minot St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,626 sqft · built 1920
Lot Size	0.229 acres (9,967 sqft)
Owner	2 Individual Names on Record
Last Sale	$457,000 (Feb 2017)
Tax Bill	$8,058 (2026)
Deeds & Mortgages	May 2024 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:011.0-0000-0282.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:011.0-0000-0282.0`
Alternative APNs	`M:011.0=0000=0282.0` `420000000520` `420000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,626 sqft Living Area
Gross Area	2,282 sqft
Basement Area	632 sqft
Unfinished Basement	632 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1965
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,967 sqft (0.229 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	420000000520
Street Address	10 MINOT ST
City	READING
State	MA
Zip	01867-3537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	1
Census Block	1003
Census Tract	334100

Owner

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	2 Individual Names on Record
Mailing Address	10 MINOT ST, READING, MA 01867-3537
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 28, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK
Feb 6, 2020	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Feb 1, 2017	Quit Claim Deed, Transfer CAMBRIDGE SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2017 · Amount on Record
Deed Sale	Feb 1, 2017 · Amount on Record
Prior Sale	May 7, 2009
Deed Book / Page	68849 / 320
Transfer Doc	068849-320
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	10 MINOT ST, READING, MA 01867-3537
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082815-350
Date	May 28, 2024
Book Page	82815/350
Instrument	55045

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2039

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	10 MINOT ST, READING, MA 01867-3537
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74096-538
Date	Feb 6, 2020
Book Page	74096/538
Instrument	18334

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Feb 1, 2017
Property Address	10 MINOT ST, READING, MA 01867-3537
Document Number	68849-320
Book / Page	68849 / 320
Instrument	18622
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.01
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	688490323
Date	Feb 1, 2017
Instrument	68849/0323

Lender

Name	CAMBRIDGE SVGS BK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Interest

Rate	3.5%
Max Rate At Change	20.1%
Max Rate	2.75%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,058.00 (+3.96%)	$735,200 (+8.04%) Land $483,700 Building $250,300	$771,747 (+4.38%)
2025	$7,751.00 (-1.15%)	$680,500 (+1.72%) Land $447,700 Building $232,800	$739,385 (+11.3%)
2024	$7,841.00 (-1.22%)	$669,000 (+6.11%) Land $440,100 Building $228,900	$664,335
2023	$7,938.00	$630,500 Land $414,700 Building $215,800

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

Flood

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
Nearby Flood Claims	3 (1979–1998)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 1998 · Heavy Rains And Flooding

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

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

Wildfire Risk	Not rated no burnable land within 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 243 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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