Middlesex County and Reading Town property record for 1198 Main St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,336 sqft · built 2012 |
| Lot Size | 0.459 acres (20,011 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,060,000 (May 2023) |
| Tax Bill | $11,147 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage May 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:045.0-0000-0070.0 |
| Primary APN | READ M:045.0-0000-0070.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,336 sqft Living Area |
| Gross Area | 4,172 sqft |
| Basement Area | 972 sqft |
| Unfinished Basement | 972 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,011 sqft (0.459 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1950000000060 |
|---|---|
| Street Address | 1198 MAIN ST |
| City | READING |
| State | MA |
| Zip | 01867-1371 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S20 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 334300 |
Source: Middlesex County and Reading Town records · APN READ M:045.0-0000-0070.0
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 | 1198 MAIN ST, READING, MA 01867-1371 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 14, 2025 | Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE |
| May 04, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE |
| Oct 02, 2017 | Quit Claim Deed, Transfer PHH HOME LOANS LLC |
| Feb 27, 2017 | Deed of Trust, Mortgage · Line of Credit LIBERTY BAY CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 04, 2023 · Amount on Record |
| Deed Sale | May 04, 2023 · Amount on Record |
| Prior Sale | Oct 02, 2017 · Amount on Record |
| Deed Book / Page | 81497 / 422 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 1198 MAIN ST, READING, MA 01867-1371 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 084733-414 |
|---|---|
| Date | Oct 14, 2025 |
| Book Page | 84733/414 |
| Instrument | 124472 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 01, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | May 04, 2023 |
| Property Address | 1198 MAIN ST, READING, MA 01867-1371 |
| Document Number | 081497-422 |
| Book / Page | 81497 / 422 |
| Instrument Date | May 04, 2023 |
| Instrument | 45775 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2023 |
| 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 | 1198 MAIN ST, READING, MA 01867-1371 |
| Document Number | 0000045776 |
|---|---|
| Date | May 04, 2023 |
| Instrument | 45776 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Jun 01, 2033 |
| Max Rate At Change | 3% |
| Index | Other |
| Margin | 3 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Oct 02, 2017 |
| Property Address | 1198 MAIN ST, READING, MA 01867-1371 |
| Document Number | 70020-188 |
| Book / Page | 70020 / 188 |
| Instrument | 159580 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $82.71 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1198 MAIN ST, READING, MA 01867-1371 |
| Document Number | 700200191 |
|---|---|
| Date | Oct 02, 2017 |
| Instrument | 70020/0191 |
| Name | PHH HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 02, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 1198 MAIN ST, READING, MA 01867-1371 |
| Document Number | 68965-1 |
| Book / Page | 068965 / 000001 |
| Instrument Date | Feb 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2017 |
| Name | Verified Name |
|---|
| Document Number | 68965-1 |
|---|---|
| Date | Mar 03, 2017 |
| Book Page | 068965/000001 |
| Instrument | 32954 |
| Name | LIBERTY BAY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $11,147.00 (-0.87%) | $978,700 (+2%) Land $392,000 Building $586,700 | $1,155,010 (+3.44%) |
| 2024 | $11,245.00 (+4.36%) | $959,500 (+12.12%) Land $384,300 Building $575,200 | $1,116,630 |
| 2023 | $10,775.00 | $855,800 Land $342,800 Building $513,000 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), as of September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173343003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
May also be available: T-Mobile USA.
Based on FCC filings for 162 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system MA3246000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | READING WATER DEPARTMENT (MWRA) serves 26,262 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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