Middlesex County and Reading Town property record for 12 Oak St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,320 sqft · built 1915 |
| Lot Size | 0.261 acres (11,360 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $570,000 (Jun 2015) |
| Tax Bill | $11,687 (2025) |
| Deeds & Mortgages | Nov 2021 Refinance Nov 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:011.0-0000-0028.0 |
| Primary APN | READ M:011.0-0000-0028.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,320 sqft Living Area |
| Gross Area | 4,387 sqft |
| Basement Area | 1,037 sqft |
| Unfinished Basement | 1,037 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,360 sqft (0.261 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 250000000120 |
|---|---|
| Street Address | 12 OAK ST |
| City | READING |
| State | MA |
| Zip | 01867-3403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 5 |
| Census Block | 5003 |
| Census Tract | 334100 |
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 12 OAK ST, READING, MA 01867-3403 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Nov 5, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Nov 5, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 12, 2015 · Amount on Record |
| Deed Sale | Jun 12, 2015 · Amount on Record |
| Deed Book / Page | 65535 / 86 |
| Last Transfer Date | Aug 20, 2024 |
| Transfer Doc | 083247-461 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 12 OAK ST, READING, MA 01867-3403 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 079085-253 |
|---|---|
| Date | Nov 5, 2021 |
| Book Page | 79085/253 |
| Instrument | 243049 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 12 OAK ST, READING, MA 01867-3403 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 79085-253 |
|---|---|
| Date | Nov 5, 2021 |
| Book Page | 79085/253 |
| Instrument | 243049 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
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 |
|---|---|---|---|
| 2025 | $11,687.00 (+1.95%) | $1,026,100 (+4.91%) Land $487,100 Building $539,000 | $990,660 (+5.42%) |
| 2024 | $11,463.00 (+5.26%) | $978,100 (+13.08%) Land $467,900 Building $510,200 | $939,740 |
| 2023 | $10,890.00 | $865,000 Land $421,900 Building $443,100 |
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 | 3 in force |
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 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 USA Fixed Wireless | 100 / 20 |
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