124 Prospect St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 124 Prospect St, Reading, MA 01867 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,912 sqft · built 1960
Lot Size	0.302 acres (13,142 sqft)
Owner	2 Company Names on File
Last Sale	$900,000 (Nov 2022)
Tax Bill	$10,139 (2025)
Deeds & Mortgages	Sep 2023 Transfer Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:020.0-0000-0040.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:020.0-0000-0040.0`
Alternative APNs	`M:020.0=0000=0040.0` `600000000250` `600000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,912 sqft Living Area
Gross Area	3,092 sqft
Basement Area	832 sqft
Unfinished Basement	616 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,142 sqft (0.302 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	600000000250
Street Address	124 PROSPECT ST
City	READING
State	MA
Zip	01867-2333
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	4
Census Block	4013
Census Tract	334200

Owner

Source: Middlesex County and Reading Town records · APN READ M:020.0-0000-0040.0

Assessment roll updated April 14, 2026 · Last verified July 2026

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

Owner of Record	2 Company Names on File
Mailing Address	124 PROSPECT ST, READING, MA 01867-2333
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2023	Quit Claim Deed, Transfer Quitclaim
Nov 23, 2022	Deed, Transfer · Stand-Alone First Mortgage NORWOOD COOPERATIVE BANK
Feb 12, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 23, 2022 · Amount on Record
Deed Sale	Nov 23, 2022 · Amount on Record
Deed Document Number	2022172705
Deed Book / Page	80983 / 298
Last Transfer Date	Sep 13, 2023
Transfer Doc	081995-523
Record Updated	Sep 20, 2026

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Sep 14, 2023
Property Address	124 PROSPECT ST, READING, MA 01867-2333
Document Number	081995-523
Book / Page	81995 / 523
Instrument Date	Sep 13, 2023
Instrument	103961
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 PROSPECT ST, READING, MA 01867-2333

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	READING MA
Recording Date	Nov 23, 2022
Property Address	124 PROSPECT ST, READING, MA 01867-2333
Document Number	080983-298
Book / Page	80983 / 298
Instrument Date	Nov 23, 2022
Instrument	172705
Transaction Type	Transfer
Record Updated	Dec 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	Tenants by the Entirety
Address	124 PROSPECT ST, READING, MA 01867-2333

Mortgage

Document Number	0000172706
Date	Nov 23, 2022
Instrument	172706

Lender

Name	NORWOOD COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Dec 01, 2027
Max Rate At Change	2.75%
Index	1-Year CMT

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	124 PROSPECT ST, READING, MA 01867-2333
Document Number	72291-408
Instrument Date	Feb 12, 2019
Transaction Type	Mortgage
Record Updated	Mar 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 PROSPECT ST READING MA 018672333, READING, MA 01867-2333

Mortgage

Document Number	72291-408
Date	Mar 04, 2019
Book Page	072291/000408
Instrument	26323

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 03, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,139.00 (+1.16%)	$890,200 (+4.09%) Land $493,800 Building $396,400	$945,440 (-3.3%)
2024	$10,023.00 (-9.29%)	$855,200 (-2.55%) Land $474,400 Building $380,800	$977,740
2023	$11,049.00	$877,600 Land $427,700 Building $449,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173342004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2001, rainfall accumulation, Severe Storms And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 235 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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