103 Oak St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 103 Oak St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,299 sqft · built 1892
Lot Size	0.261 acres (11,360 sqft)
Owner	Individual Name on Record
Last Sale	$1,180,000 (May 2026)
Tax Bill	$9,953 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:010.0-0000-0193.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:010.0-0000-0193.0`
Alternative APNs	`M:010.0=0000=0193.0` `310000000170` `310000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,299 sqft Living Area
Gross Area	3,824 sqft
Basement Area	1,191 sqft
Unfinished Basement	1,191 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1892
Effective Year Built	Effective 1975
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,360 sqft (0.261 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	310000000170
Street Address	103 OAK ST
City	READING
State	MA
Zip	01867-3710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	5
Census Block	5001
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	Individual Name on Record
Mailing Address	103 OAK ST, READING, MA 01867-3710
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Deed of Trust, Mortgage · Line of Credit LEADER BANK NA
May 6, 2026	Quit Claim Deed, Transfer · Conventional Mortgage LEADER BANK NA
Feb 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Jul 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2026 · Amount on Record
Deed Sale	May 6, 2026 · Amount on Record
Prior Sale	Dec 19, 1997 · Amount on Record
Deed Document Number	202651584
Deed Book / Page	85562 / 34
Prior Transfer Date	May 1, 2026
Prior Transfer Doc	0085562-34
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	103 OAK ST, READING, MA 01867-3710
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084919-295
Date	Nov 24, 2025
Book Page	84919/295
Instrument	144222

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	May 6, 2026
Property Address	103 OAK ST, READING, MA 01867-3710
Document Number	0085562-34
Book / Page	85562 / 34
Instrument Date	May 1, 2026
Instrument	2026.51584
Transaction Type	Transfer
Record Updated	May 28, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	103 OAK ST, READING, MA 01867-3710
Investor	Possibly a Property Investor

Mortgage

Date	May 6, 2026

Lender

Name	LEADER BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.38%
Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	103 OAK ST, READING, MA 01867-3710
Transaction Type	Mortgage
Record Updated	Feb 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74120-366
Date	Feb 12, 2020
Book Page	74120/366
Instrument	21202

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	103 OAK ST, READING, MA 01867-3710
Transaction Type	Mortgage
Record Updated	Feb 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75180-262
Date	Jul 22, 2020
Book Page	75180/262
Instrument	119552

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

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	$9,953.00 (+1.46%)	$908,100 (+5.43%) Land $513,900 Building $383,600	$1,005,949 (-15.71%)
2025	$9,810.00 (+1.11%)	$861,300 (+4.05%) Land $487,100 Building $374,200	$1,193,390 (+8.37%)
2024	$9,702.00 (+3.1%)	$827,800 (+10.76%) Land $467,900 Building $359,900	$1,101,240
2023	$9,410.00	$747,400 Land $421,900 Building $325,500

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	3 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

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 356 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Astound Broadband, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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