106 Oak St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 106 Oak St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,085 sqft · built 1890
Lot Size	1.45 acres (63,162 sqft)
Owner	2 Individual Names on File
Last Sale	$1,055,000 (Nov 2020)
Tax Bill	$13,063 (2026)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:010.0-0000-0003.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:010.0-0000-0003.0`
Alternative APNs	`M:010.0=0000=0003.0` `230000000020` `230000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,085 sqft Living Area
Gross Area	6,460 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1975
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	63,162 sqft (1.45 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	230000000020
Street Address	106 OAK ST
City	READING
State	MA
Zip	01867-3703
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	5008
Census Tract	334100

Owner

106 Oak St is owned and occupied by two individuals who bought it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	106 OAK ST, READING, MA 01867-3703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2020 · Amount on File
Deed Sale	Nov 27, 2020 · Amount on File
Prior Sale	Jun 29, 2010 · Amount on File
Deed Document Number	2020224508
Deed Book / Page	76282 / 122
Prior Transfer Date	Nov 13, 2020
Prior Transfer Doc	76282-122
Record Updated	Oct 29, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Nov 27, 2020
Property Address	106 OAK ST, READING, MA 01867-3703
Document Number	076282-122
Book / Page	76282 / 122
Instrument Date	Nov 13, 2020
Instrument	224508
Transaction Type	Transfer
Record Updated	May 10, 2022

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
Relationship	Tenants by the Entirety
Address	4 OAK ST, READING, MA 01867-3403

Mortgage

Document Number	0000224509
Date	Nov 27, 2020
Instrument	224509

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 106 Oak St was $13,063, up 1.5% from the year before.

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	$13,063.00 (+1.48%)	$1,191,900 (+5.46%) Land $615,700 Building $564,700	$1,291,221 (+9.02%)
2025	$12,873.00 (+1.12%)	$1,130,200 (+4.05%) Land $583,500 Building $546,700	$1,184,365 (+2.73%)
2024	$12,730.00 (+3.13%)	$1,086,200 (+10.78%) Land $560,500 Building $525,700	$1,152,920
2023	$12,344.00	$980,500 Land $505,400 Building $475,100

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

Flood

FEMA maps place 106 Oak St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 106 Oak St is low, with less than 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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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	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

Nearby Properties on Oak St

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