126 Oak St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 126 Oak St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,202 sqft · built 1920
Lot Size	0.526 acres (22,908 sqft)
Owner	2 Individual Names on Record
Last Sale	$730,000 (Aug 2019)
Tax Bill	$10,439 (2026)
Deeds & Mortgages	Oct 2022 Refinance Nov 2017 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:010.0-0000-0008.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:010.0-0000-0008.0`
Alternative APNs	`M:010.0=0000=0008.0` `230000000070` `230000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,202 sqft Living Area
Gross Area	3,617 sqft
Basement Area	1,055 sqft
Unfinished Basement	1,055 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1952
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,908 sqft (0.526 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	230000000070
Street Address	126 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 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	126 OAK ST, READING, MA 01867-3703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BROOKLINE BANK
Nov 29, 2017	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Aug 2, 2018	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Mar 9, 2020	Deed of Trust, Mortgage · Line of Credit BROOKLINE BANK
Dec 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BROOKLINE BANK
Oct 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF CANTON
Aug 13, 2019	Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE NTWK
Jun 19, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2019 · Amount on Record
Deed Sale	Aug 13, 2019 · Amount on Record
Prior Sale	Oct 31, 1995 · Amount on Record
Deed Document Number	2019119711
Deed Book / Page	73102 / 486
Prior Transfer Date	Aug 10, 2019
Prior Transfer Doc	73102-486
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	126 OAK ST, READING, MA 01867-3703
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080819-267
Date	Oct 13, 2022
Book Page	80819/267
Instrument	153122

Lender

Name	BROOKLINE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	481 Months
Due	Nov 1, 2062

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	126 OAK ST, READING, MA 01867-3703
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	070303-209
Date	Nov 29, 2017
Book Page	70303/209
Instrument	193232

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	126 OAK ST, READING, MA 01867-3703
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071420-148
Date	Aug 2, 2018
Book Page	71420/148
Instrument	117656

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.38%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	126 OAK ST, READING, MA 01867-3703
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	074253-230
Date	Mar 9, 2020
Book Page	74253/230
Instrument	34926

Lender

Name	BROOKLINE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	126 OAK ST, READING, MA 01867-3703
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0079315-29
Date	Dec 9, 2021
Book Page	79315/29
Instrument	266111

Lender

Name	BROOKLINE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	481 Months
Due	Jan 1, 2062

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	126 OAK ST, READING, MA 01867-3703
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078876-288
Date	Oct 8, 2021
Book Page	78876/288
Instrument	222560

Lender

Name	BANK OF CANTON
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 13, 2019
Property Address	126 OAK ST, READING, MA 01867-3703
Document Number	73102-486
Book / Page	073102 / 000486
Instrument Date	Aug 10, 2019
Instrument	119711
Transaction Type	Transfer
Record Updated	Aug 27, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,328.80
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	126 OAK ST READING MA 018673703, READING, MA 01867-3703

Mortgage

Document Number	73102-489
Date	Aug 13, 2019
Book Page	073102/000489
Instrument	119712

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jun 19, 2019
Property Address	126 OAK ST, READING, MA 01867-3703
Document Number	72785-375
Book / Page	072785 / 000375
Instrument Date	Mar 26, 2019
Instrument	84047
Transaction Type	Transfer
Record Updated	Aug 27, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 OAK ST READING MA 018673703, READING, MA 01867-3703

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	$10,439.00 (+1.48%)	$952,500 (+5.46%) Land $559,900 Building $383,600	$1,043,636 (+16.13%)
2025	$10,287.00 (+1.12%)	$903,200 (+4.06%) Land $530,600 Building $372,600	$898,700 (+5.29%)
2024	$10,173.00 (+3.13%)	$868,000 (+10.78%) Land $509,700 Building $358,300	$853,575
2023	$9,864.00	$783,500 Land $459,600 Building $323,900

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