120 Howard St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 120 Howard St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,039 sqft · built 1922
Lot Size	0.193 acres (8,403 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Aug 2008)
Tax Bill	$9,267 (2025)
Deeds & Mortgages	Jun 2026 Second Mortgage Oct 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`READ M:010.0-0000-0119.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:010.0-0000-0119.0`
Alternative APNs	`M:010.0=0000=0119.0` `300000000480` `300000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	3 Stories
Building Area	2,039 sqft Living Area
Gross Area	2,968 sqft
1st Floor Area	904 sqft
Basement Area	848 sqft
Unfinished Basement	653 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1970
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,403 sqft (0.193 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	300000000480
Street Address	120 HOWARD ST
City	READING
State	MA
Zip	01867-3341
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	3
Census Block	3013
Census Tract	334100

Owner

Source: Middlesex County and Reading Town records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	120 HOWARD ST, READING, MA 01867-3341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LIBERTY BAY CREDIT UNION
Oct 23, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LIBERTY BAY CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2008 · Amount on Record
Deed Sale	Aug 29, 2008 · Amount on Record
Deed Document Number	2008143857
Deed Book / Page	51631 / 455
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Recording Date	Jun 10, 2026
Property Address	120 HOWARD ST, READING, MA 01867-3341
Document Number	0000068603
Book / Page	85715 / 85
Instrument Date	Jun 5, 2026
Instrument	202668603
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 HOWARD ST, READING, MA 01867-3341

Mortgage

Document Number	0085715-85,
Date	Jun 10, 2026
Book Page	85715/85
Instrument	202668603

Lender

Name	LIBERTY BAY CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2041

Interest

Rate	5.72%
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	120 HOWARD ST, READING, MA 01867-3341
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75974-383
Date	Oct 23, 2020
Book Page	75974/383
Instrument	195175

Lender

Name	LIBERTY BAY CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,267.00 (+1.13%)	$813,600 (+4.07%) Land $452,100 Building $361,500	$759,145 (-1.88%)
2024	$9,163.00 (+3.67%)	$781,800 (+11.35%) Land $434,300 Building $347,500	$773,680
2023	$8,839.00	$702,100 Land $391,600 Building $310,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 356 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Astound Broadband, T-Mobile.

Nearby Properties on Howard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures