113 Central St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 113 Central St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,544 sqft · built 1960
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on Record
Last Sale	$550,000 (Jun 2019)
Tax Bill	$9,612 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:34-P:064`

Property Details

APN / Parcel Number

Primary APN	`M:34-P:064`
Alternative APN	`NREA M:034.0 B:0000 L:0064.0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,544 sqft Living Area
1st Floor Area	1,544 sqft
Basement Area	1,500 sqft
Unfinished Basement	1,260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,462 sqft (0.86 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	113 CENTRAL ST
City	NORTH READING
State	MA
Zip	01864-1709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	64.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	2
Census Block	2000
Census Tract	330102

Owner

Source: Middlesex County and North Reading Town records, as of April 14, 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	113 CENTRAL ST, NORTH READING, MA 01864-1709
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2020	Deed of Trust, Mortgage · Conventional with PMI STEARNS LNDG
Jun 3, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MSA LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2019 · Amount on Record
Deed Sale	Jun 3, 2019 · Amount on Record
Prior Sale	Nov 20, 2012
Deed Document Number	201974284
Deed Book / Page	72705 / 70
Transfer Doc	60526-5
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	113 CENTRAL ST, NORTH READING, MA 01864-1709
Document Number	75189-320
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	113 CENTRAL ST NORTH READING MA 018641709, NORTH READING, MA 01864-1709

Mortgage

Document Number	75189-320
Date	Jul 23, 2020
Book Page	075189/000320
Instrument	120377

Lender

Name	STEARNS LNDG

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2050

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Jun 3, 2019
Property Address	113 CENTRAL ST, NORTH READING, MA 01864-1709
Document Number	72705-70
Book / Page	72705 / 70
Instrument Date	May 8, 2019
Instrument	74284
Transaction Type	Transfer
Record Updated	Jun 8, 2021

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	113 CENTRAL ST, NORTH READING, MA 01864-1709

Mortgage

Document Number	74285
Date	Jun 3, 2019
Instrument	74285

Lender

Name	MSA LENDING LLC
Type	Lending Institution

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
2025	$9,612.00 (+4.77%)	$736,000 (+5.98%) Land $399,600 Building $336,400
2024	$9,174.00 (+0.6%)	$694,500 (+6.55%) Land $376,900 Building $317,600
2023	$9,119.00	$651,800 Land $346,000 Building $305,800

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 98% of the US · lower than 96% 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 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Central St

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