Middlesex County and North Reading Town property record for 12 Tarbox Ln, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,113 sqft · built 1999 |
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,850,000 (Sep 2025) |
| Tax Bill | $18,152 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Sep 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:79-P:024 |
| Primary APN | M:79-P:024 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,113 sqft Living Area |
| Gross Area | 1,378 sqft |
| 1st Floor Area | 1,378 sqft |
| Basement Area | 1,362 sqft |
| Unfinished Basement | 133 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,075 sqft (0.92 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 12 TARBOX LN |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2987 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Lot Number | 24.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 330101 |
12 Tarbox Ln is owned and occupied by two individuals who bought it in September 2025.
Source: Middlesex County and North Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 TARBOX LN, NORTH READING, MA 01864-2987 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Mar 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 22, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 30, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK |
| Aug 21, 2019 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2025 · Amount on File |
| Deed Sale | Sep 22, 2025 · Amount on File |
| Prior Sale | Aug 30, 2022 · Amount on File |
| Deed Document Number | 2025114511 |
| Deed Book / Page | 84640 / 597 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 12 TARBOX LN, NORTH READING, MA 01864-2987 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2026 |
| Name | Verified Name |
|---|
| Document Number | 085402-193 |
|---|---|
| Date | Mar 30, 2026 |
| Book Page | 85402/193 |
| Instrument | 34334 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Sep 22, 2025 |
| Property Address | 12 TARBOX LN, NORTH READING, MA 01864-2987 |
| Document Number | 084640-597 |
| Book / Page | 84640 / 597 |
| Instrument Date | Sep 22, 2025 |
| Instrument | 114511 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 12 TARBOX LN, NORTH READING, MA 01864-2987 |
| Document Number | 0000114512 |
|---|---|
| Date | Sep 22, 2025 |
| Instrument | 114512 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Aug 30, 2022 |
| Property Address | 12 TARBOX LN, NORTH READING, MA 01864-2987 |
| Document Number | 080650-268 |
| Book / Page | 80650 / 268 |
| Instrument Date | Aug 30, 2022 |
| Instrument | 133071 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 TARBOX LN, NORTH READING, MA 01864-2987 |
| Document Number | 0000133072 |
|---|---|
| Date | Aug 30, 2022 |
| Instrument | 133072 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 12 TARBOX LN, NORTH READING, MA 01864-2987 |
| Document Number | 73237-423 |
| Instrument Date | Aug 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 12 TARBOX LN NORTH READING MA 018642987, NORTH READING, MA 01864-2987 |
| Document Number | 73237-423 |
|---|---|
| Date | Sep 6, 2019 |
| Book Page | 073237/000423 |
| Instrument | 134545 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 12 Tarbox Ln was $18,152, up 3.1% from the year before.
Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $18,152.00 (+3.12%) | $1,394,200 (+3.44%) Land $532,000 Building $862,200 | $1,524,446 |
| 2025 | $17,602.00 (+2.47%) | $1,347,800 (+3.65%) Land $504,800 Building $843,000 | |
| 2024 | $17,177.00 (+2.72%) | $1,300,300 (+8.78%) Land $457,300 Building $843,000 | |
| 2023 | $16,722.00 | $1,195,300 Land $444,400 Building $750,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12 Tarbox Ln in Zone X, an area of minimal flood risk.
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 |
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 risk around 12 Tarbox Ln is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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 | NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000 |
|---|---|
| Water Source | Purchased surface water from ANDOVER WATER DEPT |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2020 |
|---|---|
| Treatment and Procedure | Coliform assessment Aug 2019 |
| Monitoring and Reporting | 1 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 149 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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