Middlesex County and North Reading Town property record for 103 Elm St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,444 sqft · built 1959 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $565,000 (Dec 2025) |
| Tax Bill | $7,531 (2026) |
| Deeds & Mortgages | Feb 2026 Sale Dec 2025 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:78-P:096 |
| Primary APN | M:78-P:096 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,444 sqft Living Area |
| 1st Floor Area | 1,444 sqft |
| Basement Area | 1,072 sqft |
| Unfinished Basement | 1,072 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 103 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 | 96.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 330101 |
103 Elm St is owned and occupied by two individuals who acquired it in January 2026.
Source: Middlesex County and North Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 ELM ST, NORTH READING, MA 01864-2913 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Person |
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 |
|---|---|
| Feb 2, 2026 | Redemption Deed, Transfer |
| Dec 12, 2025 | Quit Claim Deed, Transfer · Commercial Mortgage H1H2 CAPITAL |
| Oct 20, 2025 | Quit Claim Deed, Transfer RFLF 4 LLC |
| Oct 15, 2024 | Redemption Deed, Transfer |
| Nov 14, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2025 · Amount on File |
| Deed Sale | Dec 12, 2025 · Amount on File |
| Prior Sale | Oct 20, 2025 · Amount on File |
| Deed Book / Page | 84995 / 283 |
| Last Transfer Date | Jan 12, 2026 |
| Transfer Doc | 085184-360 |
| Record Updated | Oct 29, 2026 |
| Document Type | Redemption Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Feb 2, 2026 |
| Property Address | 103 ELM ST, NORTH READING, MA 01864-2913 |
| Document Number | 085184-360 |
| Book / Page | 85184 / 360 |
| Instrument Date | Jan 12, 2026 |
| Instrument | 11593 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Dec 12, 2025 |
| Property Address | 103 ELM ST, NORTH READING, MA 01864-2913 |
| Document Number | 084995-283 |
| Book / Page | 84995 / 283 |
| Instrument Date | Dec 10, 2025 |
| Instrument | 152281 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9 MAPLE RD, SAUGUS, MA 01906-2432 |
| Document Number | 0000152282 |
|---|---|
| Date | Dec 12, 2025 |
| Instrument | 152282 |
| Name | H1H2 CAPITAL |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Oct 20, 2025 |
| Property Address | 103 ELM ST, NORTH READING, MA 01864-2913 |
| Document Number | 0084755-97 |
| Book / Page | 84755 / 97 |
| Instrument Date | Oct 17, 2025 |
| Instrument | 126862 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 BLISS RD, NORTH READING, MA 01864-2321 |
| Investor | Possibly a Property Investor |
| Document Number | 0000126863 |
|---|---|
| Date | Oct 20, 2025 |
| Instrument | 126863 |
| Name | RFLF 4 LLC |
|---|
| Amount | Amount on Record |
|---|
| Document Type | Redemption Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Oct 15, 2024 |
| Property Address | 103 ELM ST, NORTH READING, MA 01864-2913 |
| Document Number | 083348-365 |
| Book / Page | 83348 / 365 |
| Instrument Date | Sep 19, 2024 |
| Instrument | 116491 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Nov 14, 2019 |
| Property Address | 103 ELM ST, NORTH READING, MA 01864-2913 |
| Document Number | 73646-398 |
| Book / Page | 073646 / 000398 |
| Instrument Date | Nov 13, 2019 |
| Instrument | 178096 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 40 AUBURN ST READING MA 018672137, READING, MA 01867-2137 |
The 2026 property tax bill for 103 Elm St was $7,531, 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 | $7,531.00 (+2.39%) | $578,400 (+2.7%) Land $395,200 Building $183,200 | $530,105 |
| 2025 | $7,355.00 (+2.8%) | $563,200 (+3.99%) Land $380,000 Building $183,200 | |
| 2024 | $7,155.00 (+7.05%) | $541,600 (+13.35%) Land $358,400 Building $183,200 | |
| 2023 | $6,684.00 | $477,800 Land $329,100 Building $148,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 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 103 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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