Middlesex County and Reading Town property record for 12 Garrett Rd, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,354 sqft · built 1956 |
| Lot Size | 0.46 acres (20,042 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $860,000 (Aug 2024) |
| Tax Bill | $11,575 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Jan 2023 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:014.0-0000-0018.0 |
| Primary APN | READ M:014.0-0000-0018.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,354 sqft Living Area |
| Gross Area | 3,936 sqft |
| 1st Floor Area | 750 sqft |
| Basement Area | 1,002 sqft |
| Unfinished Basement | 1,002 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,042 sqft (0.46 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 470000000320 |
|---|---|
| Street Address | 12 GARRETT RD |
| City | READING |
| State | MA |
| Zip | 01867-2219 |
| 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 | 3002 |
| Census Tract | 334100 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 12 GARRETT RD, READING, MA 01867-2219 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NEW FED MTG CORP |
| Jan 10, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance ENTERPRISE BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2024 · Amount on Record |
| Deed Sale | Aug 20, 2024 · Amount on Record |
| Prior Sale | Aug 26, 1997 · Amount on Record |
| Deed Document Number | 20241962401 |
| Prior Transfer Date | Aug 19, 2024 |
| Prior Transfer Doc | 0001962401 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 12 GARRETT RD, READING, MA 01867-2219 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001996060 |
|---|---|
| Date | Mar 17, 2026 |
| Instrument | 1996060 |
| Name | NEW FED MTG CORP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 12 GARRETT RD, READING, MA 01867-2219 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001930449 |
|---|---|
| Date | Jan 10, 2023 |
| Instrument | 1930449 |
| Name | ENTERPRISE BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Feb 1, 2048 |
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 | $11,575.00 (+1.53%) | $1,056,100 (+5.5%) Land $548,500 Building $506,900 | $1,059,184 (+19.19%) |
| 2025 | $11,401.00 (+1.16%) | $1,001,000 (+4.1%) Land $519,800 Building $481,200 | $888,630 (+11.19%) |
| 2024 | $11,270.00 (+3.24%) | $961,600 (+10.91%) Land $499,400 Building $462,200 | $799,235 |
| 2023 | $10,916.00 | $867,000 Land $450,200 Building $416,800 |
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 · 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 | 1 in force |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Feb 1978 · tidal / storm surge |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 418 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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