124 Central St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 124 Central St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,203 sqft · built 1960
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on File
Last Sale	$625,000 (Dec 2021)
Tax Bill	$8,679 (2026)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:34-P:061`

Property Details

APN / Parcel Number

Primary APN	`M:34-P:061`
Alternative APN	`NREA M:034.0 B:0000 L:0061.0`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,203 sqft Living Area
1st Floor Area	1,203 sqft
Basement Area	1,056 sqft
Unfinished Basement	744 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	124 CENTRAL ST
City	NORTH READING
State	MA
Zip	01864-1724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	61.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1006
Census Tract	330201

Owner

124 Central St is owned and occupied by two individuals who bought it in December 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	124 CENTRAL ST, NORTH READING, MA 01864-1724
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE NTWK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2021 · Amount on File
Deed Sale	Dec 6, 2021 · Amount on File
Prior Sale	May 30, 2014 · Amount on File
Deed Book / Page	79288 / 127
Record Updated	Oct 29, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Dec 6, 2021
Property Address	124 CENTRAL ST, NORTH READING, MA 01864-1724
Document Number	079288-127
Book / Page	79288 / 127
Instrument Date	Dec 6, 2021
Instrument	263224
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	124 CENTRAL ST, NORTH READING, MA 01864-1724

Mortgage

Document Number	0000263225
Date	Dec 6, 2021
Instrument	263225

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	124 CENTRAL ST, NORTH READING, MA 01864-1724
Document Number	70225-171
Book / Page	070225 / 000171
Instrument Date	Nov 6, 2017
Transaction Type	Mortgage
Record Updated	Dec 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70225-171
Date	Nov 13, 2017
Book Page	070225/000171
Instrument	184385

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 124 Central St was $8,679, up 2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,679.00 (+2.02%)	$666,600 (+2.33%) Land $396,000 Building $270,600	$688,991
2025	$8,507.00 (+6.4%)	$651,400 (+7.63%) Land $380,800 Building $270,600
2024	$7,995.00 (+0.88%)	$605,200 (+6.83%) Land $359,100 Building $246,100
2023	$7,925.00	$566,500 Land $329,800 Building $236,700

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

Flood

FEMA maps place 124 Central St 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	8 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

Wildfire risk around 124 Central St is low, with less than 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 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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