109 Main St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 109 Main St, North Reading, MA 01864

Property Summary

Property Type	Restaurant
Details	3,562 sqft · built 1988
Lot Size	0.928 acres (40,424 sqft)
Owner	Company Name on Record
Last Sale	$1,600,000 (Aug 2025)
Tax Bill	$15,331 (2026)
Deeds & Mortgages	Aug 2025 Mortgage Aug 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:24-P:050`

Property Details

APN / Parcel Number

Primary APN	`M:24-P:050`
Alternative APN	`NREA M:024.0 B:0000 L:0050.0`

Interior

Stories	1 Story
Building Area	3,562 sqft Total Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Concrete Block
Roof Material	Tar & Gravel
Lot Area	40,424 sqft (0.928 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 MAIN ST
City	NORTH READING
State	MA
Zip	01864-2206
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	HB
Legal Lot Number	50.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1014
Census Tract	330201

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	21 ESSEX ST, SAUGUS, MA 01906-4379
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2025	Deed of Trust, Mortgage NORTHERN BANK & TRUST CO
Aug 26, 2025	Quit Claim Deed, Transfer NORTHERN BANK & TRUST CO
Aug 6, 2025	Correction Deed
Jun 16, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK OF RHODE ISLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2025 · Amount on Record
Deed Sale	Aug 26, 2025 · Amount on Record
Prior Sale	Jun 16, 2023 · Amount on Record
Deed Book / Page	84538 / 200
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	109 MAIN ST, NORTH READING, MA 01864-2206
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084538-244
Date	Aug 26, 2025
Book Page	84538/244
Instrument	102649

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Aug 26, 2025
Property Address	109 MAIN ST, NORTH READING, MA 01864-2206
Document Number	084538-200
Book / Page	84538 / 200
Instrument Date	Aug 26, 2025
Instrument	102644
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
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
Address	21 ESSEX ST, SAUGUS, MA 01906-4379

Mortgage

Document Number	0000102646
Date	Aug 26, 2025
Instrument	102646

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded

Mortgage

Document Number	084538-230
Date	Aug 26, 2025
Book Page	84538/230
Instrument	102648

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded

August 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	NORTH READING MA
Recording Date	Aug 6, 2025
Property Address	109 MAIN ST, NORTH READING, MA 01864-2206
Document Number	084457-477
Book / Page	84457 / 477
Instrument Date	Aug 1, 2025
Instrument	93248
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 GREAT RD, LITTLETON, MA 01460-1937

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Jun 16, 2023
Property Address	109 MAIN ST, NORTH READING, MA 01864-2206
Document Number	081667-445
Book / Page	81667 / 445
Instrument Date	Jun 16, 2023
Instrument	65279
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
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
Address	325 GREAT RD, LITTLETON, MA 01460-1937

Mortgage

Document Number	0000065280
Date	Jun 16, 2023
Instrument	65280

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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
2026	$15,331.00 (+0.62%)	$1,178,400 (+1%) Land $584,300 Building $594,100
2025	$15,237.00 (+2.59%)	$1,166,700 (+3.76%) Land $572,600 Building $594,100
2024	$14,853.00 (-6.05%)	$1,124,400 (-0.5%) Land $530,300 Building $594,100
2023	$15,810.00	$1,130,100 Land $473,700 Building $656,400

Assessed value is set for property tax purposes and is not a market price estimate.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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

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	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 136 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: T-Mobile.

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