Middlesex County and North Reading Town property record for 137 Elm St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,072 sqft · built 2016 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $767,800 (Jul 2017) |
| Tax Bill | $12,737 (2026) |
| Deeds & Mortgages | Jan 2024 Transfer Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:75-P:044 |
| Primary APN | M:75-P:044 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,072 sqft Living Area |
| Gross Area | 1,294 sqft |
| 1st Floor Area | 1,000 sqft |
| Basement Area | 1,294 sqft |
| Unfinished Basement | 1,294 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,780 sqft (0.5 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 137 ELM ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2914 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 44.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 330101 |
137 Elm St is owner-occupied and held in a trust since January 2024.
Source: Middlesex County and North Reading Town records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 137 ELM ST, NORTH READING, MA 01864-2914 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 5, 2024 | Quit Claim Deed, Transfer Quitclaim |
| Jul 27, 2017 | Quit Claim Deed, Transfer READING COOPERATIVE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 2017 · Amount on File |
| Deed Sale | Jul 27, 2017 · Amount on File |
| Prior Sale | Jul 22, 2016 · Amount on File |
| Deed Book / Page | 69672 / 552 |
| Last Transfer Date | Jan 5, 2024 |
| Transfer Doc | 082377-191 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Jan 5, 2024 |
| Property Address | 137 ELM ST, NORTH READING, MA 01864-2914 |
| Document Number | 082377-191 |
| Book / Page | 82377 / 191 |
| Instrument Date | Jan 5, 2024 |
| Instrument | 1951 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 137 ELM ST, NORTH READING, MA 01864-2914 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Jul 27, 2017 |
| Property Address | 137 ELM ST, NORTH READING, MA 01864-2914 |
| Document Number | 69672-552 |
| Book / Page | 69672 / 552 |
| Instrument | 118364 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $63.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 137 ELM ST, NORTH READING, MA 01864-2914 |
| Document Number | 696720554 |
|---|---|
| Date | Jul 27, 2017 |
| Instrument | 69672/0554 |
| Name | READING COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 27, 2047 |
| Rate | 3.38% |
|---|---|
| Max Rate At Change | 80.1% |
| Max Rate | 2.75% |
The 2026 property tax bill for 137 Elm St was $12,737, up 2.7% from the year before.
Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,737.00 (+2.65%) | $978,300 (+2.97%) Land $397,100 Building $581,200 | $1,133,893 |
| 2025 | $12,408.00 (-3.72%) | $950,100 (-2.61%) Land $381,900 Building $568,200 | |
| 2024 | $12,888.00 (-0.16%) | $975,600 (+5.73%) Land $360,100 Building $615,500 | |
| 2023 | $12,909.00 | $922,700 Land $330,700 Building $592,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 137 Elm St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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 risk around 137 Elm St is low, with a 0.01% annual chance of 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 | Direct burnable vegetation |
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 | NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000 |
|---|---|
| Water Source | Purchased surface water from ANDOVER WATER DEPT |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2020 |
|---|---|
| Treatment and Procedure | Coliform assessment Aug 2019 |
| Monitoring and Reporting | 1 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 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| Starlink Satellite | 280 / 30 |
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