Middlesex County and Reading Town property record for 109 Bancroft Ave, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,563 sqft · built 1890 |
| Lot Size | 0.138 acres (5,998 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (Dec 2003) |
| Tax Bill | $9,035 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Sep 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:021.0-0000-0368.0 |
| Primary APN | READ M:021.0-0000-0368.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,563 sqft Living Area |
| Gross Area | 3,279 sqft |
| 1st Floor Area | 598 sqft |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 1,056 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,998 sqft (0.138 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 860000000240 |
|---|---|
| Street Address | 109 BANCROFT AVE |
| City | READING |
| State | MA |
| Zip | 01867-2101 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 334300 |
Source: Middlesex County and Reading Town records · APN READ M:021.0-0000-0368.0
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 | 109 BANCROFT AVE, READING, MA 01867-2101 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 20, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) READING COOPERATIVE BANK |
| Sep 28, 2017 | Deed of Trust, Mortgage COMMONWEALTH MORTGAGE CO |
| Nov 23, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance READING COOPERATIVE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 02, 2003 · Amount on Record |
| Deed Sale | Dec 02, 2003 · Amount on Record |
| Prior Sale | Oct 29, 1991 · Amount on Record |
| Deed Document Number | 2003380 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 109 BANCROFT AVE, READING, MA 01867-2101 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2023 |
| Name | Verified Name |
|---|
| Document Number | 082118-582 |
|---|---|
| Date | Oct 20, 2023 |
| Book Page | 82118/582 |
| Instrument | 119297 |
| Name | READING COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Nov 01, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 109 BANCROFT AVE, READING, MA 01867-2101 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 069996-406 |
|---|---|
| Date | Sep 28, 2017 |
| Book Page | 69996/406 |
| Instrument | 156926 |
| Name | COMMONWEALTH MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Sep 01, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 109 BANCROFT AVE, READING, MA 01867-2101 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 079210-444 |
|---|---|
| Date | Nov 23, 2021 |
| Book Page | 79210/444 |
| Instrument | 255463 |
| Name | READING COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Dec 01, 2031 |
Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
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 | $9,035.00 (+1.16%) | $793,200 (+4.09%) Land $466,900 Building $326,300 | $759,810 (+7.21%) |
| 2024 | $8,931.00 (+3.24%) | $762,000 (+10.9%) Land $448,500 Building $313,500 | $708,700 |
| 2023 | $8,651.00 | $687,100 Land $404,400 Building $282,700 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 424 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | READING WATER DEPARTMENT (MWRA) serves 26,262 people |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Nov 2023 |
| Lead | 8 ppb (2021–2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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