Middlesex County and Reading Town property record for 115 Willow St, Reading, MA 01867 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,002 sqft · built 1962 |
| Lot Size | 0.568 acres (24,742 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $852,500 (Apr 2023) |
| Tax Bill | $9,161 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit May 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 98000000014B |
| Primary APN | 98000000014B |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,002 sqft Living Area |
| Gross Area | 4,320 sqft |
| Basement Area | 1,144 sqft |
| Unfinished Basement | 286 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 24,742 sqft (0.568 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 98000000014B |
|---|---|
| Street Address | 115 WILLOW ST |
| City | READING |
| State | MA |
| Zip | 01867-1551 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 334200 |
Source: Middlesex County and Reading Town records · APN 98000000014B
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 115 WILLOW ST, READING, MA 01867-1551 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Nov 01, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| May 04, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| Apr 28, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage WINCHESTER COOPERATIVE BANK |
| Apr 29, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 28, 2023 · Amount on Record |
| Deed Sale | Apr 28, 2023 · Amount on Record |
| Prior Sale | Aug 02, 2018 · Amount on Record |
| Deed Book / Page | 81474 / 436 |
| Transfer Doc | 63102-40 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 115 WILLOW ST, READING, MA 01867-1551 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 080896-488 |
|---|---|
| Date | Nov 01, 2022 |
| Book Page | 80896/488 |
| Instrument | 162338 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Dec 01, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 115 WILLOW ST, READING, MA 01867-1551 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 077684-322 |
|---|---|
| Date | May 04, 2021 |
| Book Page | 77684/322 |
| Instrument | 100987 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Apr 28, 2023 |
| Property Address | 115 WILLOW ST, READING, MA 01867-1551 |
| Document Number | 081474-436 |
| Book / Page | 81474 / 436 |
| Instrument Date | Apr 28, 2023 |
| Instrument | 43103 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 115 WILLOW ST, READING, MA 01867-1551 |
| Document Number | 0000043104 |
|---|---|
| Date | Apr 28, 2023 |
| Instrument | 43104 |
| Name | WINCHESTER COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.99% |
| Type Change Date | Apr 28, 2028 |
| Max Rate At Change | 2.5% |
| Index | 5-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 115 WILLOW ST, READING, MA 01867-1551 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74566-157 |
|---|---|
| Date | Apr 29, 2020 |
| Book Page | 74566/157 |
| Instrument | 63369 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,161.00 (+11.83%) | $804,300 (+15.06%) Land $464,200 Building $340,100 | $831,915 (+1.39%) |
| 2024 | $8,192.00 (+3.24%) | $699,000 (+10.9%) Land $446,000 Building $253,000 | $820,515 |
| 2023 | $7,935.00 | $630,300 Land $402,100 Building $228,200 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures