14 Cross St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 14 Cross St, Reading, MA 01867 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1860
Lot Size	0.134 acres (5,841 sqft)
Owner	2 Individual Names on File
Last Sale	$511,500 (Jul 2020)
Tax Bill	$7,276 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Nov 2017 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:008.0-0000-0140.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:008.0-0000-0140.0`
Alternative APNs	`M:008.0=0000=0140.0` `270000000020` `270000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,260 sqft Living Area
Gross Area	1,764 sqft
Basement Area	504 sqft
Unfinished Basement	504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,841 sqft (0.134 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	270000000020
Street Address	14 CROSS ST
City	READING
State	MA
Zip	01867-3636
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	3
Census Block	3004
Census Tract	334400

Owner

Source: Middlesex County and Reading Town records · APN READ M:008.0-0000-0140.0

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	14 CROSS ST, READING, MA 01867-3636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage RESIDENTIAL MORTGAGE SERVICES
Nov 28, 2017	Quit Claim Deed, Transfer · Conventional with PMI MORTGAGE NTWK
Jul 06, 2017	Quit Claim Deed, Transfer GEBRAEL FARHAT
Jun 29, 2017	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 30, 2020 · Amount on Record
Deed Sale	Jul 30, 2020 · Amount on Record
Prior Sale	Nov 28, 2017 · Amount on Record
Deed Book / Page	75248 / 254
Record Updated	Sep 20, 2026

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jul 30, 2020
Property Address	14 CROSS ST, READING, MA 01867-3636
Document Number	75248-254
Book / Page	75248 / 254
Instrument Date	Jul 09, 2020
Instrument	125938
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	14 CROSS ST, READING, MA 01867-3636

Mortgage

Document Number	125939
Date	Jul 30, 2020
Instrument	125939

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Nov 28, 2017
Property Address	14 CROSS ST, READING, MA 01867-3636
Document Number	70293-526
Book / Page	070293 / 000526
Instrument Date	Nov 15, 2017
Instrument	192191
Transaction Type	Transfer
Record Updated	Mar 05, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,061.12
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	14 CROSS ST READING MA 018673636, READING, MA 01867-3636

Mortgage

Document Number	70293-528
Date	Nov 28, 2017
Book Page	070293/000528
Instrument	192192

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2047

Interest

Rate	3.13%

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jul 06, 2017
Property Address	14 CROSS ST, READING, MA 01867-3636
Document Number	69558-91
Book / Page	069558 / 000091
Instrument Date	Jul 05, 2017
Instrument	104201
Transaction Type	Transfer
Record Updated	Jul 26, 2017

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	15 MAIN ST SAUGUS MA 019062347, SAUGUS, MA 01906-2347

Mortgage

Document Number	69558-94
Date	Jul 06, 2017
Book Page	069558/000094
Instrument	104202

Lender

Name	GEBRAEL FARHAT
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jun 29, 2017
Property Address	14 CROSS ST, READING, MA 01867-3636
Document Number	69526-263
Book / Page	069526 / 000263
Instrument Date	Jun 06, 2017
Instrument	100621
Transaction Type	Transfer
Record Updated	Jul 18, 2017

Transaction

Amount	Amount Recorded
Tax	$1,144.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 CROSS ST READING MA 018673636, READING, MA 01867-3636

Tax Assessment & Valuation

Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,276.00 (+3.07%)	$638,800 (+6.06%) Land $388,400 Building $250,400	$657,210 (+5.36%)
2024	$7,059.00 (-2.27%)	$602,300 (+4.99%) Land $366,200 Building $236,100	$623,770
2023	$7,223.00	$573,700 Land $348,800 Building $224,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173344003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1982–1996)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 1996, river or lake flooding, Extreme Weather Conditons And Flooding

Wildfire

Wildfire Risk	Low above 3% of the US · above 6% of Massachusetts
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 243 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Radiate Holdings, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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