14 Virginia Rd, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 14 Virginia Rd, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,737 sqft · built 1926
Lot Size	0.243 acres (10,572 sqft)
Owner	2 Individual Names on Record
Last Sale	$620,000 (Aug 2014)
Tax Bill	$12,459 (2026)
Deeds & Mortgages	Feb 2021 Refinance Aug 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:007.0-0000-0184.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:007.0-0000-0184.0`
Alternative APNs	`M:007.0=0000=0184.0` `170000000270` `170000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,737 sqft Living Area
Gross Area	5,436 sqft
Basement Area	1,406 sqft
Unfinished Basement	928 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1985
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,572 sqft (0.243 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	170000000270
Street Address	14 VIRGINIA RD
City	READING
State	MA
Zip	01867-3862
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	5
Census Block	5005
Census Tract	334100

Owner

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	14 VIRGINIA RD, READING, MA 01867-3862
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS BANK & TRUST
Aug 11, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 25, 2018	Deed of Trust, Mortgage · Line of Credit INST SVGS NEWBURYPORT
Jun 25, 2018	Deed of Trust, Mortgage INST SVGS NEWBURYPORT
Aug 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2014 · Amount on Record
Deed Sale	Aug 7, 2014 · Amount on Record
Deed Book / Page	64046 / 346
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	14 VIRGINIA RD, READING, MA 01867-3862
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076893-453
Date	Feb 5, 2021
Book Page	76893/453
Instrument	27067

Lender

Name	FARMERS BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	14 VIRGINIA RD, READING, MA 01867-3862
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084472-576
Date	Aug 11, 2025
Book Page	84472/576
Instrument	95082

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	14 VIRGINIA RD, READING, MA 01867-3862
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71204-226
Date	Jun 25, 2018
Book Page	71204/226
Instrument	91441

Lender

Name	INST SVGS NEWBURYPORT
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	14 VIRGINIA RD, READING, MA 01867-3862
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71204-209
Date	Jun 25, 2018
Book Page	71204/209
Instrument	91440

Lender

Name	INST SVGS NEWBURYPORT
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	14 VIRGINIA RD, READING, MA 01867-3862
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73187-345
Date	Aug 28, 2019
Book Page	73187/345
Instrument	129156

Lender

Name	INSTITUTION FOR SAVINGS NEWBURYPORT
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Middlesex County and Reading Town assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,459.00 (+0.87%)	$1,136,800 (+4.83%) Land $581,100 Building $547,400	$1,278,173 (+12.63%)
2025	$12,351.00 (-1.22%)	$1,084,400 (+1.64%) Land $554,100 Building $530,300	$1,134,870 (+4.85%)
2024	$12,504.00 (+6.16%)	$1,066,900 (+14.03%) Land $545,100 Building $521,800	$1,082,335
2023	$11,779.00	$935,600 Land $477,500 Building $458,100

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

Flood

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	3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 425 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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