107 Central St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 107 Central St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	1,868 sqft · built 1940
Lot Size	0.8 acres (34,848 sqft)
Owner	2 Trust Names on File
Last Sale	$226,000 (Sep 1996)
Tax Bill	$13,990 (2026)
Deeds & Mortgages	Apr 2023 Transfer Jan 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:34-P:067`

Property Details

APN / Parcel Number

Primary APN	`M:34-P:067`
Alternative APN	`NREA M:034.0 B:0000 L:0067.0`

Interior

Total Rooms	6 Rooms
Building Area	1,868 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	34,848 sqft (0.8 acres)
Pool Type	In-Ground Pool
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	107 CENTRAL ST
City	NORTH READING
State	MA
Zip	01864-1709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	67.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	2
Census Block	2000
Census Tract	330102

Owner

107 Central St is owner-occupied and held in a trust since March 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	107 CENTRAL ST, NORTH READING, MA 01864-1709
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Date	Document
Apr 4, 2023	Quit Claim Deed, Transfer Quitclaim
Jan 28, 2020	Deed of Trust, Mortgage · Line of Credit READING COOPERATIVE BANK
Jan 28, 2020	Deed of Trust, Mortgage · ARM READING COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 1996 · Amount on File
Deed Sale	Sep 30, 1996 · Amount on File
Last Transfer Date	Mar 20, 2023
Transfer Doc	0001934847
Record Updated	Oct 29, 2026

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Apr 4, 2023
Property Address	107 CENTRAL ST, NORTH READING, MA 01864-1709
Document Number	0001934847
Instrument Date	Mar 20, 2023
Instrument	1934847
Transaction Type	Transfer
Record Updated	Apr 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 CENTRAL ST, NORTH READING, MA 01864-1709

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	107 CENTRAL ST, NORTH READING, MA 01864-1709
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001835131
Date	Jan 28, 2020
Instrument	1835131

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Feb 1, 2045

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	107 CENTRAL ST, NORTH READING, MA 01864-1709
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001835130
Date	Jan 28, 2020
Instrument	1835130

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Feb 1, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 107 Central St was $13,990, up 1.8% 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	$13,990.00 (+1.78%)	$1,074,500 (+2.09%) Land $412,400 Building $662,100	$871,748
2025	$13,746.00 (-2.14%)	$1,052,500 (-1.02%) Land $396,700 Building $655,800
2024	$14,046.00 (+8.03%)	$1,063,300 (+14.41%) Land $374,100 Building $689,200
2023	$13,002.00	$929,400 Land $343,500 Building $585,900

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

Flood

FEMA maps place 107 Central 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 107 Central 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 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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