Middlesex County and Reading Town property record for 12 Nichols Rd, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,327 sqft · built 1941 |
| Lot Size | 0.214 acres (9,309 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $730,000 (Jun 2017) |
| Tax Bill | $13,029 (2026) |
| Deeds & Mortgages | Jan 2021 Refinance Oct 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:016.0-0000-0048.0 |
| Primary APN | READ M:016.0-0000-0048.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,327 sqft Living Area |
| Gross Area | 5,162 sqft |
| 1st Floor Area | 1,961 sqft |
| Basement Area | 1,020 sqft |
| Unfinished Basement | 1,020 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 9,309 sqft (0.214 acres) |
| Garage Type | Attached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 400000000720 |
|---|---|
| Street Address | 12 NICHOLS RD |
| City | READING |
| State | MA |
| Zip | 01867-3427 |
| 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 | 1020 |
| Census Tract | 334100 |
12 Nichols Rd is owned and occupied by two individuals who bought it in June 2017.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 NICHOLS RD, READING, MA 01867-3427 |
| 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.
| Date | Document |
|---|---|
| Jan 29, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND |
| Oct 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| Oct 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| Jun 22, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage CITIZENS BK/RI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 22, 2017 · Amount on File |
| Deed Sale | Jun 22, 2017 · Amount on File |
| Prior Sale | Jun 29, 1984 · Amount on File |
| Deed Book / Page | 69479 / 500 |
| Transfer Doc | 069479-500 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 12 NICHOLS RD, READING, MA 01867-3427 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 076832-401 |
|---|---|
| Date | Jan 29, 2021 |
| Book Page | 76832/401 |
| Instrument | 21596 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 12 NICHOLS RD, READING, MA 01867-3427 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 078970-406 |
|---|---|
| Date | Oct 22, 2021 |
| Book Page | 78970/406 |
| Instrument | 231954 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 12 NICHOLS RD, READING, MA 01867-3427 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78970-406 |
|---|---|
| Date | Oct 22, 2021 |
| Book Page | 78970/406 |
| Instrument | 231954 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jun 22, 2017 |
| Property Address | 12 NICHOLS RD, READING, MA 01867-3427 |
| Document Number | 69479-500 |
| Book / Page | 069479 / 000500 |
| Instrument Date | Jun 16, 2017 |
| Instrument | 95343 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,328.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12 NICHOLS RD READING MA 018673427, READING, MA 01867-3427 |
| Document Number | 69479-503 |
|---|---|
| Date | Jun 22, 2017 |
| Book Page | 069479/000503 |
| Instrument | 95344 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 21, 2047 |
The 2026 property tax bill for 12 Nichols Rd was $13,029, up 1.5% from the year before.
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 | $13,029.00 (+1.54%) | $1,188,800 (+5.52%) Land $505,800 Building $682,300 | $1,310,212 (+12.95%) |
| 2025 | $12,832.00 (+1.15%) | $1,126,600 (+4.08%) Land $479,300 Building $647,300 | $1,159,950 (+3.99%) |
| 2024 | $12,686.00 (+3.24%) | $1,082,400 (+10.9%) Land $460,500 Building $621,900 | $1,115,490 |
| 2023 | $12,288.00 | $976,000 Land $415,200 Building $560,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Nichols 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.
The area around 12 Nichols 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.
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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures