102 Elm St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 102 Elm St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,100 sqft · built 1961
Lot Size	0.469 acres (20,430 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Sep 2020)
Tax Bill	$9,102 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`M:78-P:005`

Property Details

APN / Parcel Number

Primary APN	`M:78-P:005`
Alternative APN	`NREA M:078.0 B:0000 L:0005.0`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,100 sqft Living Area
Gross Area	1,008 sqft
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,430 sqft (0.469 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	102 ELM ST
City	NORTH READING
State	MA
Zip	01864-2942
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	5.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1000
Census Tract	330102

Owner

102 Elm St is owned and occupied by an individual who bought it in September 2020.

Source: Middlesex County and North Reading Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	102 ELM ST, NORTH READING, MA 01864-2942
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2020 · Amount on File
Deed Sale	Sep 3, 2020 · Amount on File
Prior Sale	Jan 12, 2004 · Amount on File
Deed Document Number	2020154543
Deed Book / Page	75539 / 142
Prior Transfer Date	Aug 24, 2020
Prior Transfer Doc	75539-142
Record Updated	Oct 29, 2026

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Sep 3, 2020
Property Address	102 ELM ST, NORTH READING, MA 01864-2942
Document Number	75539-142
Book / Page	75539 / 142
Instrument Date	Aug 24, 2020
Instrument	154543
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 ELM ST, NORTH READING, MA 01864-2942

Mortgage

Document Number	154544
Date	Sep 3, 2020
Instrument	154544

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 102 Elm St was $9,102, up 1.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,102.00 (+1.9%)	$699,100 (+2.22%) Land $395,700 Building $303,400	$750,132
2025	$8,932.00 (+2.1%)	$683,900 (+3.28%) Land $380,500 Building $303,400
2024	$8,748.00 (+1.61%)	$662,200 (+7.6%) Land $358,800 Building $303,400
2023	$8,609.00	$615,400 Land $329,500 Building $285,900

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

Flood

FEMA maps place 102 Elm St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Flooding, May 2006 · 5 claims

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

Wildfire risk around 102 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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