Middlesex County and Reading Town property record for 140 Charles St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,688 sqft · built 1964 |
| Lot Size | 0.312 acres (13,573 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $389,000 (May 2014) |
| Tax Bill | $12,376 (2026) |
| Deeds & Mortgages | Feb 2022 Refinance Jun 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 131000000004G |
| Primary APN | 131000000004G |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,688 sqft Living Area |
| Gross Area | 4,198 sqft |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 792 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,573 sqft (0.312 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 131000000004G |
|---|---|
| Street Address | 140 CHARLES ST |
| City | READING |
| State | MA |
| Zip | 01867-1826 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 334400 |
Source: Middlesex County and Reading Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 140 CHARLES ST, READING, MA 01867-1826 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 11, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP. |
| Jun 16, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTHERN BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 2014 · Amount on Record |
| Deed Sale | May 7, 2014 · Amount on Record |
| Prior Sale | Oct 9, 2001 · Amount on Record |
| Deed Book / Page | 63582 / 148 |
| Transfer Doc | 063582-148 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 140 CHARLES ST, READING, MA 01867-1826 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 079673-399 |
|---|---|
| Date | Feb 11, 2022 |
| Book Page | 79673/399 |
| Instrument | 22920 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 140 CHARLES ST, READING, MA 01867-1826 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 080288-391 |
|---|---|
| Date | Jun 16, 2022 |
| Book Page | 80288/391 |
| Instrument | 91039 |
| Name | NORTHERN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
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 | $12,376.00 (+3.52%) | $1,129,200 (+7.58%) Land $503,600 Building $625,600 | $1,411,225 (-) |
| 2025 | $11,955.00 (+0.22%) | $1,049,600 (+3.12%) Land $468,100 Building $581,500 | $1,411,225 (+28.59%) |
| 2024 | $11,929.00 (+6.87%) | $1,017,800 (+14.8%) Land $453,900 Building $563,900 | $1,097,440 |
| 2023 | $11,162.00 | $886,600 Land $395,400 Building $491,200 |
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 | 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.
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 | 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 211 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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