124 Oak St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 124 Oak St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,752 sqft · built 1931
Lot Size	0.367 acres (16,008 sqft)
Owner	2 Individuals on Record
Last Sale	$535,000 (Sep 2018)
Tax Bill	$10,923 (2025)
Deeds & Mortgages	May 2020 Refinance Sep 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:010.0-0000-0007.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:010.0-0000-0007.0`
Alternative APNs	`M:010.0=0000=0007.0` `230000000060` `230000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,752 sqft Living Area
Gross Area	4,246 sqft
1st Floor Area	728 sqft
Basement Area	1,151 sqft
Unfinished Basement	863 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,008 sqft (0.367 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	230000000060
Street Address	124 OAK ST
City	READING
State	MA
Zip	01867-3703
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	5008
Census Tract	334100

Owner

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

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

Owner of Record	2 Individuals on Record
Mailing Address	124 OAK ST, READING, MA 01867-3703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MSA LENDING LLC
Sep 10, 2018	Quit Claim Deed, Transfer
Sep 5, 2018	Quit Claim Deed, Transfer MORTGAGE NTWK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2018 · Amount on Record
Deed Sale	Sep 10, 2018 · Amount on Record
Prior Sale	Sep 5, 2018 · Amount on Record
Deed Book / Page	71593 / 347
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	124 OAK ST, READING, MA 01867-3703
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74669-435
Date	May 14, 2020
Book Page	74669/435
Instrument	72544

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

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

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Sep 10, 2018
Property Address	124 OAK ST, READING, MA 01867-3703
Document Number	71593-347
Book / Page	071593 / 000347
Instrument Date	Sep 5, 2018
Instrument	139028
Transaction Type	Transfer
Record Updated	Oct 2, 2018

Transaction

Amount	Amount Recorded
Tax	$2,439.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 CHEYENNE DR NORTH READING MA 018641420, NORTH READING, MA 01864-1420

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Sep 5, 2018
Property Address	124 OAK ST, READING, MA 01867-3703
Document Number	71580-314
Book / Page	071580 / 000314
Instrument Date	Aug 28, 2018
Instrument	137371
Transaction Type	Transfer
Record Updated	Sep 27, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,661.22
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	124 OAK ST READING MA 018673703, READING, MA 01867-3703

Mortgage

Document Number	71580-318
Date	Sep 5, 2018
Book Page	071580/000318
Instrument	137372

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2048

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	$10,923.00 (+1.14%)	$959,000 (+4.07%) Land $504,600 Building $454,400	$795,815 (-6.7%)
2024	$10,800.00 (+3.15%)	$921,500 (+10.81%) Land $484,700 Building $436,800	$853,005
2023	$10,470.00	$831,600 Land $437,100 Building $394,500

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	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

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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