123 Oak St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 123 Oak St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,734 sqft · built 1957
Lot Size	0.248 acres (10,812 sqft)
Owner	2 Individual Names on Record
Last Sale	$612,500 (Mar 2003)
Tax Bill	$11,267 (2026)
Deeds & Mortgages	Jun 2025 Line of Credit Jun 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:010.0-0000-0197.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:010.0-0000-0197.0`
Alternative APNs	`M:010.0=0000=0197.0` `310000000210` `310000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,734 sqft Living Area
Gross Area	4,035 sqft
Basement Area	1,088 sqft
Unfinished Basement	740 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,812 sqft (0.248 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	310000000210
Street Address	123 OAK ST
City	READING
State	MA
Zip	01867-3710
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	5001
Census Tract	334100

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	123 OAK ST, READING, MA 01867-3710
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jun 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Nov 18, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2003 · Amount on Record
Deed Sale	Mar 19, 2003 · Amount on Record
Prior Sale	Jun 11, 1999 · Amount on Record
Deed Document Number	20031168
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	123 OAK ST, READING, MA 01867-3710
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084241-494
Date	Jun 18, 2025
Book Page	84241/494
Instrument	69035

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	123 OAK ST, READING, MA 01867-3710
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74904-374
Date	Jun 17, 2020
Book Page	74904/374
Instrument	94336

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

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

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	123 OAK ST, READING, MA 01867-3710
Document Number	70347-488
Instrument Date	Nov 18, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70347-488
Date	Dec 7, 2017
Book Page	070347/000488
Instrument	198410

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 2047

Interest

Rate Type	Adjustable Rate

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
2026	$11,267.00 (+1.53%)	$1,028,000 (+5.51%) Land $511,700 Building $516,300	$1,196,943 (-14.83%)
2025	$11,097.00 (+1.17%)	$974,300 (+4.1%) Land $485,000 Building $489,300	$1,405,335 (+8.22%)
2024	$10,969.00 (+3.24%)	$935,900 (+10.9%) Land $465,900 Building $470,000	$1,298,650
2023	$10,625.00	$843,900 Land $420,100 Building $423,800

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	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.

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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