12 Cumberland Rd, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 12 Cumberland Rd, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,100 sqft · built 1965
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on File
Last Sale	$675,000 (Aug 2018)
Tax Bill	$9,843 (2026)
Deeds & Mortgages	Oct 2019 Mortgage Feb 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:011.0-0000-0149.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:011.0-0000-0149.0`
Alternative APNs	`M:011.0=0000=0149.0` `340000000170` `340000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,100 sqft Living Area
Gross Area	3,764 sqft
Basement Area	1,500 sqft
Unfinished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	340000000170
Street Address	12 CUMBERLAND RD
City	READING
State	MA
Zip	01867-3411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	1
Census Block	1024
Census Tract	334100

Owner

12 Cumberland Rd is owned and occupied by two individuals who bought it in August 2018.

Source: Middlesex County and Reading Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12 CUMBERLAND RD, READING, MA 01867-3411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2019	Deed of Trust, Mortgage · ARM PEOPLES UNITED BANK
Feb 21, 2019	Deed of Trust, Mortgage · ARM PEOPLES UNITED BANK
Jul 26, 2019	Deed of Trust, Mortgage · Balloon Mortgage PEOPLES UNITED BANK
Aug 17, 2018	Quit Claim Deed, Transfer MORTGAGE NTWK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2018 · Amount on File
Deed Sale	Aug 17, 2018 · Amount on File
Deed Book / Page	71490 / 260
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	12 CUMBERLAND RD, READING, MA 01867-3411
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73559-74
Date	Oct 30, 2019
Book Page	73559/74
Instrument	168639

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Nov 1, 2029

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	12 CUMBERLAND RD, READING, MA 01867-3411
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72252-402
Date	Feb 21, 2019
Book Page	72252/402
Instrument	21834

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Mar 1, 2029

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	12 CUMBERLAND RD, READING, MA 01867-3411
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72998-383
Date	Jul 26, 2019
Book Page	72998/383
Instrument	108332

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 17, 2018
Property Address	12 CUMBERLAND RD, READING, MA 01867-3411
Document Number	71490-260
Book / Page	071490 / 000260
Instrument Date	Aug 7, 2018
Instrument	126516
Transaction Type	Transfer
Record Updated	Sep 4, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,078.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 CUMBERLAND RD READING MA 018673411, READING, MA 01867-3411

Mortgage

Document Number	71490-262
Date	Aug 17, 2018
Book Page	071490/000262
Instrument	126517

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 16, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.13%

Tax Assessment & Valuation

The 2026 property tax bill for 12 Cumberland Rd was $9,843, up 1.5% from the year before.

Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Reading Town
Unified School District	Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,843.00 (+1.53%)	$898,100 (+5.51%) Land $508,500 Building $389,400	$915,143 (-7.14%)
2025	$9,695.00 (+1.17%)	$851,200 (+4.1%) Land $481,900 Building $369,300	$985,530 (+3.12%)
2024	$9,583.00 (+3.23%)	$817,700 (+10.9%) Land $463,000 Building $354,700	$955,700
2023	$9,283.00	$737,300 Land $417,400 Building $319,900

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

Flood

FEMA maps place 12 Cumberland Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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	3 (1979–1998)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 1998 · Heavy Rains And Flooding

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.

Wildfire

The area around 12 Cumberland Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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 / 2,000
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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