12 Joy Ln, Reading, MA 01867 Property Records

Middlesex County and Groton Town property record for 12 Joy Ln, Reading, MA 01867 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 4,071 sqft · built 2022
Lot Size	0.387 acres (16,849 sqft)
Owner	2 Individual Names on File
Last Sale	$1,575,000 (Mar 2023)
Tax Bill	$16,462 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:010.0-0000-0357.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:010.0-0000-0357.0`
Alternative APNs	`300000000060` `300000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,071 sqft Living Area
Gross Area	7,580 sqft
Basement Area	1,526 sqft
Unfinished Basement	1,526 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,849 sqft (0.387 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	300000000060
Street Address	12 JOY LN
City	READING
State	MA
Zip	01867-3316
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	3
Census Block	3007
Census Tract	334100

Owner

Source: Middlesex County and Groton Town records · APN READ M:010.0-0000-0357.0

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	12 JOY LN, READING, MA 01867-3316
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2023	Deed of Trust, Mortgage · Line of Credit LEADER BANK NA
Mar 24, 2023	Quit Claim Deed, Transfer · ARM LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 24, 2023 · Amount on Record
Deed Sale	Mar 24, 2023 · Amount on Record
Deed Document Number	202329440
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	12 JOY LN, READING, MA 01867-3316
Transaction Type	Mortgage
Record Updated	Mar 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0081367-51
Date	Mar 28, 2023
Book Page	81367/51
Instrument	30122

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Mar 24, 2023
Property Address	12 JOY LN, READING, MA 01867-3316
Document Number	081361-204
Book / Page	81361 / 204
Instrument Date	Mar 16, 2023
Instrument	29440
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12 JOY LN, READING, MA 01867-3316
Investor	Possibly a Property Investor

Mortgage

Document Number	0000030121
Date	Mar 24, 2023
Instrument	30121

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.63%
Type Change Date	Apr 01, 2030
Index	1-Year CMT

Mortgage

Document Number	0081367-34
Date	Mar 28, 2023
Book Page	81367/34
Instrument	30121

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	4.63%
Type Change Date	Apr 01, 2030
Index	1-Year CMT

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,462.00 (+3.5%)	$1,445,300 (+6.49%) Land $507,800 Building $937,500	$1,678,840 (+5.73%)
2024	$15,906.00 (+187.27%)	$1,357,200 (+208.59%) Land $487,800 Building $869,400	$1,587,830
2023	$5,537.00	$439,800 Land $439,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173341003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978, tidal / storm surge

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 5,882 per year
Exposure	Direct 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, availability as of December 31, 2025 · Published October 2026 · based on 4 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Verizon	Fiber	2,300 / 2,300
Spectrum	Cable	1,000 / 50

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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