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12 Clover Cir, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 12 Clover Cir, Reading, MA 01867

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 3,245 sqft · built 1985
Lot Size0.463 acres (20,160 sqft)
Owner2 Individual Names on File
Last Sale$874,500 (Aug 2021)
Tax Bill$13,192 (2025)
Deeds & MortgagesAug 2021 Sale & Mortgage
Jun 2017 Transfer
Flood ZoneZone X (minimal risk)
APNREAD M:046.0-0000-0127.0

Property Details

APN / Parcel Number

Primary APNREAD M:046.0-0000-0127.0
Alternative APNs
  • M:046.0=0000=0127.0
  • 1970000000580
  • 1970000000

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area3,245 sqft Living Area
Gross Area5,122 sqft
1st Floor Area2,694 sqft
Basement Area1,358 sqft
Unfinished Basement679 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1985
Architectural StyleColonial
Exterior MaterialWood Siding
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area20,160 sqft (0.463 acres)
Garage TypeAttached

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHot Water
Heating FuelOil

Location & Zoning

Account Number1970000000580
Street Address12 CLOVER CIR
CityREADING
StateMA
Zip01867-1165
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeS20
JurisdictionREADING MA
Township / Civil DivisionREADING
Census Block Group1
Census Block1008
Census Tract334300

Owner

Source: Middlesex County and Reading Town records · APN READ M:046.0-0000-0127.0

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 Record2 Individual Names on File
Mailing Address12 CLOVER CIR, READING, MA 01867-1165
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Aug 31, 2021Quit Claim Deed, Transfer · Stand-Alone First Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 28, 2017Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 31, 2021 · Amount on Record
Deed SaleAug 31, 2021 · Amount on Record
Prior SaleJun 28, 2017
Deed Document Number2021194555
Deed Book / Page78593 / 173
Record UpdatedSep 20, 2026

August 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionREADING MA
Recording DateAug 31, 2021
Property Address12 CLOVER CIR, READING, MA 01867-1165
Document Number78593-173
Book / Page78593 / 173
Instrument DateAug 31, 2021
Instrument194555
Transaction TypeTransfer
Record UpdatedSep 17, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address12 CLOVER CIR, READING, MA 01867-1165
InvestorPossibly a Property Investor

Mortgage

Document Number194556
DateAug 31, 2021
Instrument194556
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

June 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionREADING MA
Recording DateJun 28, 2017
Property Address12 CLOVER CIR, READING, MA 01867-1165
Document Number69512-587
Book / Page069512 / 000587
Instrument DateJun 23, 2017
Instrument99134
Transaction TypeTransfer
Record UpdatedJul 18, 2017

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address12 CLOVER CIR READING MA 018671165, READING, MA 01867-1165

Tax Assessment & Valuation

Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
County SubdivisionReading Town
Unified School DistrictReading School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$13,192.00 (-1.21%)$1,158,200 (+1.65%) Land $595,500 Building $562,700$1,160,425 (+8.83%)
2024$13,354.00 (+6.26%)$1,139,400 (+14.15%) Land $585,800 Building $553,600$1,066,280
2023$12,567.00$998,200 Land $513,200 Building $485,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims2 (1982–2010)
Claims Outside the SFHA1 of 2
Most Recent ClaimMar 2010 · Severe Storms And Flooding

Wildfire

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fiber		980 / 880

Based on FCC filings for 27 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemREADING WATER DEPARTMENT (MWRA)
serves 26,262 people
Water SourcePurchased surface water from MWRA
Last State InspectionNov 2023
Lead8 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
not recorded as resolved · Oct 2019
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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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