108 Franklin St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 108 Franklin St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,609 sqft · built 2000
Lot Size	0.469 acres (20,438 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,510,000 (Sep 2024)
Tax Bill	$15,459 (2026)
Deeds & Mortgages	Aug 2020 Refinance Aug 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:052.0-0000-0004.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:052.0-0000-0004.0`
Alternative APNs	`M:052.0=0000=0004.0` `2110000000060` `2110000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,609 sqft Living Area
Gross Area	4,880 sqft
Basement Area	1,713 sqft
Unfinished Basement	976 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,438 sqft (0.469 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	2110000000060
Street Address	108 FRANKLIN ST
City	READING
State	MA
Zip	01867-1119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	1
Census Block	1005
Census Tract	334300

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	2 Individual Names on Record
Mailing Address	108 FRANKLIN ST, READING, MA 01867-1119
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND
Aug 6, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI
Dec 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2024 · Amount on Record
Deed Sale	Sep 9, 2024 · Amount on Record
Prior Sale	Jun 12, 2000 · Amount on Record
Deed Document Number	2024101651
Deed Book / Page	83217 / 77
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	108 FRANKLIN ST, READING, MA 01867-1119
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75301-562
Date	Aug 5, 2020
Book Page	75301/562
Instrument	131219

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

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

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	108 FRANKLIN ST, READING, MA 01867-1119
Document Number	71659-444
Instrument Date	Aug 6, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 FRANKLIN ST READING MA 018671119, READING, MA 01867-1119

Mortgage

Document Number	71659-444
Date	Sep 25, 2018
Book Page	071659/000444
Instrument	147565

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	108 FRANKLIN ST, READING, MA 01867-1119
Document Number	70476-483
Book / Page	070476 / 000483
Instrument Date	Dec 29, 2017
Transaction Type	Mortgage
Record Updated	Jan 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70476-483
Date	Jan 5, 2018
Book Page	070476/000483
Instrument	2197

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 4, 2048

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	$15,459.00 (+12.64%)	$1,410,500 (+17.06%) Land $529,900 Building $861,900	$1,506,926 (+7.26%)
2025	$13,724.00 (+0.17%)	$1,204,900 (+3.07%) Land $492,600 Building $712,300	$1,404,955 (+0.48%)
2024	$13,701.00 (+6.61%)	$1,169,000 (+14.53%) Land $477,700 Building $691,300	$1,398,210
2023	$12,851.00	$1,020,700 Land $416,100 Building $604,600

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	1 in force
Nearby Flood Claims	2 (1982–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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