103 West St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 103 West St, Reading, MA 01867 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,003 sqft · built 1891
Lot Size	0.547 acres (23,845 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Sep 1987)
Tax Bill	$9,434 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Oct 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:010.0-0000-0016.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:010.0-0000-0016.0`
Alternative APNs	`M:010.0=0000=0016.0` `230000000140` `230000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,003 sqft Living Area
Gross Area	3,682 sqft
Basement Area	1,224 sqft
Unfinished Basement	1,224 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1891
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,845 sqft (0.547 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	230000000140
Street Address	103 WEST ST
City	READING
State	MA
Zip	01867-3317
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	5
Census Block	5008
Census Tract	334100

Owner

Source: Middlesex County and Reading Town records · APN READ M:010.0-0000-0016.0

Assessment roll updated April 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	103 WEST ST, READING, MA 01867-3317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Deed of Trust, Mortgage · Line of Credit DIRECT CU
Oct 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIRECT CU
Jul 01, 2017	Deed of Trust, Mortgage · Line of Credit DIRECT CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 30, 1987 · Amount on Record
Deed Sale	Sep 30, 1987 · Amount on Record
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	103 WEST ST, READING, MA 01867-3317
Transaction Type	Mortgage
Record Updated	Nov 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78951-323
Date	Oct 20, 2021
Book Page	78951/323
Instrument	229934

Lender

Name	DIRECT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Nov 01, 2041

Interest

Rate Type	Adjustable Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	103 WEST ST, READING, MA 01867-3317
Transaction Type	Mortgage
Record Updated	Nov 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78951-310
Date	Oct 20, 2021
Book Page	78951/310
Instrument	229933

Lender

Name	DIRECT CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	97 Months
Due	Nov 01, 2029

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	103 WEST ST, READING, MA 01867-3317
Document Number	69565-222
Book / Page	069565 / 000222
Instrument Date	Jul 01, 2017
Transaction Type	Mortgage
Record Updated	Jul 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69565-222
Date	Jul 07, 2017
Book Page	069565/000222
Instrument	105064

Lender

Name	DIRECT CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 06, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,434.00 (+1.14%)	$828,300 (+4.07%) Land $461,300 Building $367,000	$875,615 (-17.45%)
2024	$9,328.00 (+3.21%)	$795,900 (+10.87%) Land $443,200 Building $352,700	$1,060,770
2023	$9,038.00	$717,900 Land $399,600 Building $318,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173341005, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 356 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fiber	980 / 880

May also be available at this address: T-Mobile USA, Radiate Holdings, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on West St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures