Middlesex County and Reading Town property record for 138 Prospect St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,079 sqft · built 1973 |
| Lot Size | 0.279 acres (12,149 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $825,000 (Nov 2017) |
| Tax Bill | $13,431 (2026) |
| Deeds & Mortgages | Sep 2020 Refinance Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:020.0-0000-0080.0 |
| Primary APN | READ M:020.0-0000-0080.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,079 sqft Living Area |
| Gross Area | 5,160 sqft |
| Basement Area | 1,070 sqft |
| Unfinished Basement | 663 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 12,149 sqft (0.279 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 690000000310 |
|---|---|
| Street Address | 138 PROSPECT ST |
| City | READING |
| State | MA |
| Zip | 01867-2336 |
| 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 | 4006 |
| Census Tract | 334200 |
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 | 138 PROSPECT ST, READING, MA 01867-2336 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 9, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Nov 27, 2017 | Quit Claim Deed, Transfer GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 27, 2017 · Amount on Record |
| Deed Sale | Nov 27, 2017 · Amount on Record |
| Prior Sale | Jul 31, 2002 · Amount on Record |
| Deed Book / Page | 70288 / 308 |
| Transfer Doc | 070288-308 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 138 PROSPECT ST, READING, MA 01867-2336 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75568-311 |
|---|---|
| Date | Sep 9, 2020 |
| Book Page | 75568/311 |
| Instrument | 157318 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Nov 27, 2017 |
| Property Address | 138 PROSPECT ST, READING, MA 01867-2336 |
| Document Number | 70288-308 |
| Book / Page | 070288 / 000308 |
| Instrument Date | Nov 17, 2017 |
| Instrument | 191664 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,762.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 138 PROSPECT ST READING MA 018672336, READING, MA 01867-2336 |
| Document Number | 70288-312 |
|---|---|
| Date | Nov 27, 2017 |
| Book Page | 070288/000312 |
| Instrument | 191665 |
| Name | GUARANTEED RATE |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 26, 2047 |
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 |
|---|---|---|---|
| 2026 | $13,431.00 (+1.47%) | $1,225,500 (+5.46%) Land $517,100 Building $697,000 | $1,298,271 (+10.96%) |
| 2025 | $13,236.00 (+1.12%) | $1,162,100 (+4.06%) Land $490,100 Building $672,000 | $1,170,020 (+2.39%) |
| 2024 | $13,089.00 (+3.13%) | $1,116,800 (+10.78%) Land $470,800 Building $646,000 | $1,142,660 |
| 2023 | $12,692.00 | $1,008,100 Land $424,500 Building $583,600 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2001) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2001 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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