Middlesex County and North Reading Town property record for 101 Elm St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,248 sqft · built 1960 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $645,000 (Dec 2023) |
| Tax Bill | $7,506 (2026) |
| Deeds & Mortgages | Nov 2025 Mortgage Dec 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:78-P:095 |
| Primary APN | M:78-P:095 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 1,272 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 960 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,909 sqft (0.48 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 101 ELM ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 95.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 330101 |
101 Elm St is owned and occupied by two individuals who bought it in December 2023.
Source: Middlesex County and North Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 101 ELM ST, NORTH READING, MA 01864-2913 |
| 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 |
|---|---|
| Nov 18, 2025 | Deed of Trust, Mortgage · Conventional Mortgage NBKC BANK |
| Dec 15, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage NBKC BANK |
| Jun 17, 2022 | Foreclosure Foreclosure Auction |
| Jun 29, 2018 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 2023 · Amount on File |
| Deed Sale | Dec 15, 2023 · Amount on File |
| Prior Sale | Jun 17, 2022 · Amount on File |
| Deed Document Number | 2023143337 |
| Deed Book / Page | 82314 / 423 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 101 ELM ST, NORTH READING, MA 01864-2913 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0084890-28 |
|---|---|
| Date | Nov 18, 2025 |
| Book Page | 84890/28 |
| Instrument | 140992 |
| Name | NBKC BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Dec 15, 2023 |
| Property Address | 101 ELM ST, NORTH READING, MA 01864-2913 |
| Document Number | 082314-423 |
| Book / Page | 82314 / 423 |
| Instrument Date | Dec 15, 2023 |
| Instrument | 143337 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| 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 | Joint Tenants with Right of Survivorship |
| Address | 101 ELM ST, NORTH READING, MA 01864-2913 |
| Document Number | 0000143338 |
|---|---|
| Date | Dec 15, 2023 |
| Instrument | 143338 |
| Name | NBKC BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Jun 17, 2022 |
| Property Address | 101 ELM ST, NORTH READING, MA 01864-2913 |
| Document Number | 0080295-18 |
| Book / Page | 80295 / 18 |
| Instrument Date | Jun 8, 2022 |
| Instrument | 91771 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 11, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 362 GILES AVE, BEVERLY, MA 01915 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 101 ELM ST, NORTH READING, MA 01864-2913 |
| Document Number | 71361-451 |
| Instrument Date | Jun 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2018 |
| Name | Verified Name |
|---|---|
| Address | 101 ELM ST NORTH READING MA 018642913, NORTH READING, MA 01864-2913 |
| Document Number | 71361-451 |
|---|---|
| Date | Jul 24, 2018 |
| Book Page | 071361/000451 |
| Instrument | 110580 |
| Name | HUD-HOUSING/URBAN DEV |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 23, 2048 |
The 2026 property tax bill for 101 Elm St was $7,506, up 2.4% 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 | $7,506.00 (+2.39%) | $576,500 (+2.71%) Land $396,100 Building $180,400 | $675,246 |
| 2025 | $7,331.00 (+1.9%) | $561,300 (+3.07%) Land $380,900 Building $180,400 | |
| 2024 | $7,194.00 (+6.85%) | $544,600 (+13.15%) Land $359,200 Building $185,400 | |
| 2023 | $6,733.00 | $481,300 Land $329,900 Building $151,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 101 Elm St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
| 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 101 Elm St 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 149 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 |
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