Middlesex County and Reading Town property record for 13 Elm St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,274 sqft · built 1966 |
| Lot Size | 0.248 acres (10,794 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $730,000 (Sep 2025) |
| Tax Bill | $6,500 (2025) |
| Deeds & Mortgages | Oct 2021 Refinance Dec 2021 Refinance + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | READ M:022.0-0000-0049.0 |
| Primary APN | READ M:022.0-0000-0049.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,274 sqft Living Area |
| Gross Area | 2,304 sqft |
| Basement Area | 980 sqft |
| Unfinished Basement | 686 sqft |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,794 sqft (0.248 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 660000000450 |
|---|---|
| Street Address | 13 ELM ST |
| City | READING |
| State | MA |
| Zip | 01867-2737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 334400 |
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 | 13 ELM ST, READING, MA 01867-2737 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Oct 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP |
| Dec 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP |
| Sep 19, 2025 | Quit Claim Deed, Transfer DREW MORTGAGE ASSOCIATES INC |
| Sep 2, 2020 | Quit Claim Deed, Transfer · Conventional with PMI NEW FED MTG CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2025 · Amount on Record |
| Deed Sale | Sep 19, 2025 · Amount on Record |
| Prior Sale | Sep 2, 2020 · Amount on Record |
| Deed Document Number | 20251985357 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 13 ELM ST, READING, MA 01867-2737 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001896308 |
|---|---|
| Date | Oct 12, 2021 |
| Instrument | 1896308 |
| Name | NEW FED MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 13 ELM ST, READING, MA 01867-2737 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001901608 |
|---|---|
| Date | Dec 13, 2021 |
| Instrument | 1901608 |
| Name | NEW FED MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Jan 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Sep 19, 2025 |
| Property Address | 13 ELM ST, READING, MA 01867-2737 |
| Document Number | 0001985357 |
| Instrument Date | Sep 19, 2025 |
| Instrument | 1985357 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 13 ELM ST, READING, MA 01867-2737 |
| Document Number | 0001985358 |
|---|---|
| Date | Sep 19, 2025 |
| Instrument | 1985358 |
| Name | DREW MORTGAGE ASSOCIATES INC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Sep 2, 2020 |
| Property Address | 13 ELM ST, READING, MA 01867-2737 |
| Document Number | 0001852134 |
| Instrument Date | Aug 25, 2020 |
| Instrument | 1852134 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,915.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13 ELM ST READING MA 018672737, READING, MA 01867-2737 |
| Document Number | 1852135 |
|---|---|
| Date | Sep 2, 2020 |
| Instrument | 1852135 |
| Name | NEW FED MTG CORP |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,500.00 (+3.32%) | $570,700 (+6.32%) Land $397,700 Building $173,000 | $656,165 (+10.05%) |
| 2024 | $6,291.00 (+1.98%) | $536,800 (+9.55%) Land $374,000 Building $162,800 | $596,220 |
| 2023 | $6,169.00 | $490,000 Land $341,300 Building $148,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 392 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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