108 West St, Reading, MA 01867 Property Records

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

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 5,341 sqft · built 2020
Lot Size	0.433 acres (18,840 sqft)
Owner	2 Individual Names on File
Last Sale	$1,565,000 (Dec 2021)
Tax Bill	$19,693 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:010.0-0000-0354.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:010.0-0000-0354.0`
Alternative APNs	`300000000870` `300000000`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	15 Rooms
Stories	3 Stories
Building Area	5,341 sqft Living Area
Gross Area	6,737 sqft
Basement Area	1,913 sqft
Unfinished Basement	478 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,840 sqft (0.433 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	300000000870
Street Address	108 WEST ST
City	READING
State	MA
Zip	01867-3368
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	3
Census Block	3020
Census Tract	334100

Owner

108 West St is owned and occupied by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	108 WEST ST, READING, MA 01867-3368
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

Date	Document
Sep 26, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) ANDREA JO BERRY
Dec 24, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAMBRIDGE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 24, 2021 · Amount on File
Deed Sale	Dec 24, 2021 · Amount on File
Deed Book / Page	79421 / 194
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	108 WEST ST, READING, MA 01867-3368
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080755-468
Date	Sep 26, 2022
Book Page	80755/468
Instrument	145487

Lender

Name	ANDREA JO BERRY

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Dec 24, 2021
Property Address	108 WEST ST, READING, MA 01867-3368
Document Number	079421-194
Book / Page	79421 / 194
Instrument Date	Dec 23, 2021
Instrument	277319
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	108 WEST ST, READING, MA 01867-3368

Mortgage

Document Number	0000277320
Date	Dec 24, 2021
Instrument	277320

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 108 West St was $19,693, up 1.2% 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
2025	$19,693.00 (+1.16%)	$1,729,000 (+4.09%) Land $445,000 Building $1,284,000	$1,844,140 (+3.77%)
2024	$19,467.00 (+3.24%)	$1,661,000 (+10.9%) Land $427,500 Building $1,233,500	$1,777,070
2023	$18,856.00	$1,497,700 Land $385,500 Building $1,112,200

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

Flood

FEMA maps place 108 West St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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 108 West 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.

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