128 Franklin St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 128 Franklin St, Reading, MA 01867

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 2,399 sqft · built 2010
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Feb 2019)
Tax Bill	$7,340 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:051.0-0001-0086.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:051.0-0001-0086.0`
Alternative APNs	`2110000000020` `2110000000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	2,399 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2110000000020
Street Address	128 FRANKLIN ST
City	READING
State	MA
Zip	01867-1119
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	BUSA
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	1
Census Block	1005
Census Tract	334300

Owner

Source: Middlesex County and Reading Town records, as of July 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	128 FRANKLIN ST, READING, MA 01867-1119
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · ARM WINCHESTER SAVINGS BANK
Feb 24, 2020	Deed of Trust, Mortgage · ARM WINCHESTER SAVINGS BANK
Feb 1, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WINCHESTER SAVINGS BANK
Jul 16, 2018	Quit Claim Deed, Transfer UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2019 · Amount on Record
Deed Sale	Feb 1, 2019 · Amount on Record
Prior Sale	Jul 16, 2018 · Amount on Record
Deed Book / Page	72191 / 242
Prior Transfer Date	Jan 29, 2019
Prior Transfer Doc	72191-242
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	128 FRANKLIN ST, READING, MA 01867-1119
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0079617-62
Date	Jan 31, 2022
Book Page	79617/62
Instrument	16658

Lender

Name	WINCHESTER SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Feb 1, 2032
Index	1-Year CMT

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	128 FRANKLIN ST, READING, MA 01867-1119
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74173-337
Date	Feb 24, 2020
Book Page	74173/337
Instrument	26864

Lender

Name	WINCHESTER SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Mar 1, 2027

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Feb 1, 2019
Property Address	128 FRANKLIN ST, READING, MA 01867-1119
Document Number	72191-242
Book / Page	72191 / 242
Instrument Date	Jan 29, 2019
Instrument	14068
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	128 FRANKLIN ST # 1, 1, READING, MA 01867-1119

Mortgage

Document Number	14069
Date	Feb 1, 2019
Instrument	14069

Lender

Name	WINCHESTER SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Feb 1, 2026

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jul 16, 2018
Property Address	128 FRANKLIN ST, READING, MA 01867-1119
Document Number	71322-591
Book / Page	71322 / 591
Instrument	105687
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$57.44
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 FRANKLIN ST, READING, MA 01867-1119

Mortgage

Document Number	713230001
Date	Jul 16, 2018
Instrument	71323/0001

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 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	$7,340.00 (+1.93%)	$644,400 (+4.88%) Building $644,400	$686,090 (+0.84%)
2024	$7,201.00 (-2.15%)	$614,400 (+5.12%) Building $614,400	$680,390
2023	$7,359.00	$584,500 Building $584,500

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	1 in force
Nearby Flood Claims	2 (1982–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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	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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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