Middlesex County and Reading Town property record for 115 Lowell St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 2,361 sqft · built 1959 |
| Lot Size | 0.27 acres (11,774 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $787,500 (Aug 2019) |
| Tax Bill | $10,147 (2026) |
| Deeds & Mortgages | Jun 2021 Refinance Sep 2021 Refinance + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:021.0-0000-0397.0 |
| Primary APN | READ M:021.0-0000-0397.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,361 sqft Living Area |
| Gross Area | 3,984 sqft |
| Basement Area | 1,816 sqft |
| Unfinished Basement | 1,271 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,774 sqft (0.27 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 1010000000710 |
|---|---|
| Street Address | 115 LOWELL ST |
| City | READING |
| State | MA |
| Zip | 01867-2115 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 334300 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 115 LOWELL ST, READING, MA 01867-2115 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC |
| Sep 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC |
| Aug 8, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND |
| Jun 27, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jul 2, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC |
| Nov 16, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance SUPERIOR FUNDING CORP |
| Aug 23, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 23, 2019 · Amount on Record |
| Deed Sale | Aug 23, 2019 · Amount on Record |
| Prior Sale | Feb 6, 2015 · Amount on Record |
| Deed Document Number | 2019126112 |
| Deed Book / Page | 73160 / 275 |
| Prior Transfer Date | Jul 19, 2019 |
| Prior Transfer Doc | 73160-275 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 115 LOWELL ST, READING, MA 01867-2115 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 078062-345 |
|---|---|
| Date | Jun 21, 2021 |
| Book Page | 78062/345 |
| Instrument | 139811 |
| Name | FIGURE LENDING LCC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 115 LOWELL ST, READING, MA 01867-2115 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 078811-369 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 78811/369 |
| Instrument | 216006 |
| Name | FIGURE LENDING LCC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 115 LOWELL ST, READING, MA 01867-2115 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0080547-36 |
|---|---|
| Date | Aug 8, 2022 |
| Book Page | 80547/36 |
| Instrument | 120944 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 115 LOWELL ST, READING, MA 01867-2115 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 084290-254 |
|---|---|
| Date | Jun 27, 2025 |
| Book Page | 84290/254 |
| Instrument | 74448 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 115 LOWELL ST, READING, MA 01867-2115 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 082962-499 |
|---|---|
| Date | Jul 2, 2024 |
| Book Page | 82962/499 |
| Instrument | 71853 |
| Name | FIGURE LENDING LCC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 115 LOWELL ST, READING, MA 01867-2115 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76177-519 |
|---|---|
| Date | Nov 16, 2020 |
| Book Page | 76177/519 |
| Instrument | 214553 |
| Name | SUPERIOR FUNDING CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Aug 23, 2019 |
| Property Address | 115 LOWELL ST, READING, MA 01867-2115 |
| Document Number | 73160-275 |
| Book / Page | 73160 / 275 |
| Instrument Date | Jul 19, 2019 |
| Instrument | 126112 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 115 LOWELL ST, READING, MA 01867-2115 |
| Document Number | 126113 |
|---|---|
| Date | Aug 23, 2019 |
| Instrument | 126113 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $10,147.00 (-2.25%) | $925,800 (+1.58%) Land $407,200 Building $518,600 | $973,811 (-7.96%) |
| 2025 | $10,381.00 (+1.17%) | $911,400 (+4.1%) Land $400,900 Building $510,500 | $1,058,015 (+12.85%) |
| 2024 | $10,261.00 (+3.24%) | $875,500 (+10.91%) Land $385,100 Building $490,400 | $937,555 |
| 2023 | $9,939.00 | $789,400 Land $347,200 Building $442,200 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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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