Middlesex County and Reading Town property record for 111 Howard St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,892 sqft · built 1989 |
| Lot Size | 0.23 acres (10,010 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $445,000 (Mar 2009) |
| Tax Bill | $10,266 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Apr 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:010.0-0000-0169.0 |
| Primary APN | READ M:010.0-0000-0169.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,892 sqft Living Area |
| Gross Area | 3,119 sqft |
| Basement Area | 884 sqft |
| Unfinished Basement | 884 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 10,010 sqft (0.23 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 300000001020 |
|---|---|
| Street Address | 111 HOWARD ST |
| City | READING |
| State | MA |
| Zip | 01867-3340 |
| 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 | 3007 |
| Census Tract | 334100 |
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 | 111 HOWARD ST, READING, MA 01867-3340 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 2, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Apr 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| Mar 15, 2018 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2009 · Amount on Record |
| Deed Sale | Mar 11, 2009 · Amount on Record |
| Prior Sale | Jul 15, 2008 · Amount on Record |
| Deed Document Number | 200939294 |
| Deed Book / Page | 52387 / 167 |
| Transfer Doc | 51438-223 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jul 2, 2026 |
| Property Address | 111 HOWARD ST, READING, MA 01867-3340 |
| Document Number | 0000081229 |
| Book / Page | 85828 / 26 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 202681229 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 111 HOWARD ST, READING, MA 01867-3340 |
| Document Number | 0000081229, |
|---|---|
| Date | Jul 2, 2026 |
| Book Page | 85828/26 |
| Instrument | 202681229 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Aug 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 111 HOWARD ST, READING, MA 01867-3340 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 77648-143 |
|---|---|
| Date | Apr 30, 2021 |
| Book Page | 77648/143 |
| Instrument | 97624 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 111 HOWARD ST, READING, MA 01867-3340 |
| Document Number | 70782-535 |
| Instrument Date | Mar 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2018 |
| Name | Verified Name |
|---|
| Document Number | 70782-535 |
|---|---|
| Date | Mar 27, 2018 |
| Book Page | 070782/000535 |
| Instrument | 40394 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $10,266.00 (+1.53%) | $936,700 (+5.52%) Land $508,600 Building $427,300 | $1,004,814 (+23.16%) |
| 2025 | $10,111.00 (+1.16%) | $887,700 (+4.09%) Land $482,000 Building $405,700 | $815,860 (+6.96%) |
| 2024 | $9,995.00 (+3.23%) | $852,800 (+10.9%) Land $463,000 Building $389,800 | $762,755 |
| 2023 | $9,682.00 | $769,000 Land $417,500 Building $351,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 418 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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