Middlesex County and North Reading Town property record for 14 Mill St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,972 sqft · built 1957 |
| Lot Size | 0.93 acres (40,511 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $780,000 (Jun 2026) |
| Tax Bill | $10,167 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Mar 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:22-P:002 |
| Primary APN | M:22-P:002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,972 sqft Living Area |
| Gross Area | 1,396 sqft |
| 1st Floor Area | 1,396 sqft |
| Basement Area | 1,358 sqft |
| Unfinished Basement | 340 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,511 sqft (0.93 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 14 MILL ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 2.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 330202 |
Source: Middlesex County and North 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 | Individual Name on Record |
|---|---|
| Mailing Address | 14 MILL ST, NORTH READING, MA 01864-2604 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 17, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Mar 11, 2026 | Deed of Trust, Mortgage EASTERN BANK |
| Oct 19, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Jun 28, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE |
| Oct 12, 2018 | Quit Claim Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 17, 2026 · Amount on Record |
| Deed Sale | Jun 17, 2026 · Amount on Record |
| Prior Sale | Oct 12, 2018 · Amount on Record |
| Deed Document Number | 202672807 |
| Deed Book / Page | 85751 / 538 |
| Transfer Doc | 071738-438 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Jun 17, 2026 |
| Property Address | 14 MILL ST, NORTH READING, MA 01864-2604 |
| Document Number | 0000072807 |
| Book / Page | 85751 / 538 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 202672807 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 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 | Tenants by the Entirety |
| Address | 14 MILL ST, NORTH READING, MA 01864-2604 |
| Date | Jun 17, 2026 |
|---|
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 14 MILL ST, NORTH READING, MA 01864-2604 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0085327-91 |
|---|---|
| Date | Mar 11, 2026 |
| Book Page | 85327/91 |
| Instrument | 26639 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 14 MILL ST, NORTH READING, MA 01864-2604 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 078940-558 |
|---|---|
| Date | Oct 19, 2021 |
| Book Page | 78940/558 |
| Instrument | 228998 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 14 MILL ST, NORTH READING, MA 01864-2604 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00082946-1 |
|---|---|
| Date | Jun 28, 2024 |
| Book Page | 82946/1 |
| Instrument | 70057 |
| Name | HARBORONE MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Oct 12, 2018 |
| Property Address | 14 MILL ST, NORTH READING, MA 01864-2604 |
| Document Number | 71738-438 |
| Book / Page | 071738 / 000438 |
| Instrument Date | Oct 5, 2018 |
| Instrument | 157364 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2018 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,530.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 14 MILL ST NORTH READING MA 018642604, NORTH READING, MA 01864-2604 |
| Document Number | 71738-442 |
|---|---|
| Date | Oct 12, 2018 |
| Book Page | 071738/000442 |
| Instrument | 157365 |
| Name | MORTGAGE RESEARCH CTR |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 11, 2048 |
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 | $10,167.00 (-0.44%) | $780,900 (-0.13%) Land $448,300 Building $332,600 | $742,632 |
| 2025 | $10,212.00 (+2.49%) | $781,900 (+3.66%) Land $415,100 Building $366,800 | |
| 2024 | $9,964.00 (+1.7%) | $754,300 (+7.71%) Land $384,400 Building $369,900 | |
| 2023 | $9,797.00 | $700,300 Land $371,900 Building $328,400 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 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 93% of the US · lower than 83% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 127 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 |
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