Middlesex County and North Reading Town property record for 10 Williams Rd, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,224 sqft · built 1952 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $480,000 (Sep 2019) |
| Tax Bill | $7,968 (2026) |
| Deeds & Mortgages | May 2023 Mortgage Sep 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:62-P:011 |
| Primary APN | M:62-P:011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,224 sqft Living Area |
| 1st Floor Area | 1,236 sqft |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 720 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 10 WILLIAMS RD |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 11.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 330102 |
10 Williams Rd is owned and occupied by two individuals who bought it in September 2019.
Source: Middlesex County and North Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 WILLIAMS RD, NORTH READING, MA 01864-2515 |
| 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 |
|---|---|
| May 2, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Sep 3, 2019 | Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE |
| Aug 13, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2019 · Amount on File |
| Deed Sale | Sep 3, 2019 · Amount on File |
| Deed Document Number | 2019132812 |
| Deed Book / Page | 73222 / 428 |
| Prior Transfer Date | Aug 29, 2019 |
| Prior Transfer Doc | 73222-428 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 10 WILLIAMS RD, NORTH READING, MA 01864-2515 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 081489-333 |
|---|---|
| Date | May 2, 2023 |
| Book Page | 81489/333 |
| Instrument | 44749 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 313 Months |
| Due | Jun 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Sep 3, 2019 |
| Property Address | 10 WILLIAMS RD, NORTH READING, MA 01864-2515 |
| Document Number | 73222-428 |
| Book / Page | 073222 / 000428 |
| Instrument Date | Aug 29, 2019 |
| Instrument | 132812 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,188.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10 WILLIAMS RD NORTH READING MA 018642515, NORTH READING, MA 01864-2515 |
| Document Number | 73222-431 |
|---|---|
| Date | Sep 3, 2019 |
| Book Page | 073222/000431 |
| Instrument | 132813 |
| Name | GUARANTEED RATE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 2, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 10 WILLIAMS RD, NORTH READING, MA 01864-2515 |
| Document Number | 71523-85 |
| Instrument Date | Aug 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2018 |
| Name | Verified Name |
|---|---|
| Address | 10 WILLIAMS RD NORTH READING MA 018642515, NORTH READING, MA 01864-2515 |
| Document Number | 71523-85 |
|---|---|
| Date | Aug 24, 2018 |
| Book Page | 071523/000085 |
| Instrument | 130552 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 23, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 10 Williams Rd was $7,968, up 4.9% 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 | $7,968.00 (+4.87%) | $612,000 (+5.19%) Land $411,800 Building $200,200 | $672,480 |
| 2025 | $7,598.00 (+3.91%) | $581,800 (+5.11%) Land $381,600 Building $200,200 | |
| 2024 | $7,312.00 (+3.5%) | $553,500 (+9.6%) Land $353,300 Building $200,200 | |
| 2023 | $7,065.00 | $505,000 Land $341,800 Building $163,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10 Williams Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2001.
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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 7 (2001–2010) |
| Claims Outside the SFHA | 3 of 7 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 Williams 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.
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 115 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 |
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