Middlesex County and Reading Town property record for 11 Francis Dr, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,175 sqft · built 1980 |
| Lot Size | 0.23 acres (10,032 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $760,000 (Jun 2016) |
| Tax Bill | $12,268 (2026) |
| Deeds & Mortgages | May 2020 Refinance Mar 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 115000000023C |
| Primary APN | 115000000023C |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,175 sqft Living Area |
| Gross Area | 4,170 sqft |
| Basement Area | 1,308 sqft |
| Unfinished Basement | 785 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,032 sqft (0.23 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 115000000023C |
|---|---|
| Street Address | 11 FRANCIS DR |
| City | READING |
| State | MA |
| Zip | 01867-1757 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 334400 |
11 Francis Dr is owned and occupied by two individuals who bought it in June 2016.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11 FRANCIS DR, READING, MA 01867-1757 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 21, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance ONE AMERICAN BANK |
| Mar 22, 2019 | Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2016 · Amount on File |
| Deed Sale | Jun 24, 2016 · Amount on File |
| Prior Sale | Jul 23, 2004 · Amount on File |
| Deed Book / Page | 67499 / 575 |
| Transfer Doc | 067499-575 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 11 FRANCIS DR, READING, MA 01867-1757 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74719-271 |
|---|---|
| Date | May 21, 2020 |
| Book Page | 74719/271 |
| Instrument | 76981 |
| Name | ONE AMERICAN BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 11 FRANCIS DR, READING, MA 01867-1757 |
| Document Number | 72471-234 |
| Instrument Date | Mar 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 11 FRANCIS DR READING MA 018671757, READING, MA 01867-1757 |
| Document Number | 72471-234 |
|---|---|
| Date | Apr 18, 2019 |
| Book Page | 072471/000234 |
| Instrument | 47999 |
| Name | THIRD FED'L S&L ASSN |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 17, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 11 Francis Dr was $12,268, up 1.4% from the year before.
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,268.00 (+1.41%) | $1,119,300 (+5.39%) Land $432,300 Building $664,300 | $1,271,645 (+10.61%) |
| 2025 | $12,097.00 (+1.09%) | $1,062,100 (+4.02%) Land $409,800 Building $652,300 | $1,149,690 (+5.69%) |
| 2024 | $11,967.00 (+3%) | $1,021,100 (+10.64%) Land $393,600 Building $627,500 | $1,087,750 |
| 2023 | $11,619.00 | $922,900 Land $354,900 Building $568,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 Francis Dr in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 11 Francis Dr is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 424 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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