Middlesex County and Reading Town property record for 115 Charles St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 4,717 sqft · built 2002 |
| Lot Size | 0.508 acres (22,107 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $841,000 (Jul 2014) |
| Tax Bill | $14,698 (2025) |
| Deeds & Mortgages | Jan 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:028.0-0000-0092.0 |
| Primary APN | READ M:028.0-0000-0092.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 4,717 sqft Living Area |
| Gross Area | 6,475 sqft |
| Basement Area | 2,282 sqft |
| Unfinished Basement | 1,141 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,107 sqft (0.508 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 1050000000240 |
|---|---|
| Street Address | 115 CHARLES ST |
| City | READING |
| State | MA |
| Zip | 01867-1824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S20 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 334400 |
Source: Middlesex County and Reading Town records, as of July 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 | 115 CHARLES ST, READING, MA 01867-1824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2014 · Amount on Record |
| Deed Sale | Jul 23, 2014 · Amount on Record |
| Prior Sale | Oct 7, 2004 |
| Deed Book / Page | 63961 / 93 |
| Transfer Doc | 0000001346 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 115 CHARLES ST, READING, MA 01867-1824 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 076745-505 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | 76745/505 |
| Instrument | 14081 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
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 |
|---|---|---|---|
| 2025 | $14,698.00 (+0.2%) | $1,290,400 (+3.1%) Land $473,600 Building $816,800 | $1,606,925 (+10.8%) |
| 2024 | $14,669.00 (+6.75%) | $1,251,600 (+14.67%) Land $459,300 Building $792,300 | $1,450,270 |
| 2023 | $13,742.00 | $1,091,500 Land $400,100 Building $691,400 |
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 | 2 in force |
| Nearby Flood Claims | 1 (1981) |
| Most Recent Claim | Feb 1981 · 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 211 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 |
| AT&T Fixed Wireless | 100 / 20 |
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