Middlesex County and Reading Town property record for 120 Summer Ave, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,136 sqft · built 1900 |
| Lot Size | 0.299 acres (13,016 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,275,000 (Jul 2026) |
| Tax Bill | $9,902 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage May 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:020.0-0000-0110.0 |
| Primary APN | READ M:020.0-0000-0110.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,136 sqft Living Area |
| Gross Area | 4,907 sqft |
| Basement Area | 981 sqft |
| Unfinished Basement | 981 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,016 sqft (0.299 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 70000000001 |
|---|---|
| Street Address | 120 SUMMER AVE |
| City | READING |
| State | MA |
| Zip | 01867-2341 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 334200 |
Source: Middlesex County and Reading Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 120 SUMMER AVE, READING, MA 01867-2341 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 13, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY |
| May 11, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 13, 2026 · Amount on Record |
| Deed Sale | Jul 13, 2026 · Amount on Record |
| Prior Sale | Jul 30, 2012 · Amount on Record |
| Deed Document Number | 202685704 |
| Deed Book / Page | 85866 / 269 |
| Transfer Doc | 059632-149 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jul 13, 2026 |
| Property Address | 120 SUMMER AVE, READING, MA 01867-2341 |
| Document Number | 0000085704 |
| Book / Page | 85866 / 269 |
| Instrument Date | Jul 7, 2026 |
| Instrument | 202685704 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2026 |
| Amount | Amount Recorded |
|---|---|
| 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 | 120 SUMMER AVE, READING, MA 01867-2341 |
| Date | Jul 13, 2026 |
|---|
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 120 SUMMER AVE, READING, MA 01867-2341 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 080108-173 |
|---|---|
| Date | May 11, 2022 |
| Book Page | 80108/173 |
| Instrument | 70558 |
| Name | SALEM FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
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 | $9,902.00 (+1.53%) | $903,500 (+5.51%) Land $520,500 Building $383,000 | $1,165,215 (+34.67%) |
| 2025 | $9,753.00 (+1.16%) | $856,300 (+4.1%) Land $493,300 Building $363,000 | $865,260 (+13.67%) |
| 2024 | $9,641.00 (+3.24%) | $822,600 (+10.91%) Land $473,900 Building $348,700 | $761,235 |
| 2023 | $9,338.00 | $741,700 Land $427,300 Building $314,400 |
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 | 1 in force |
| Nearby Flood Claims | 1 (2001) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2001 · Severe Storms 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.
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 523 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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