Middlesex County and Reading Town property record for 149 Prospect St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,290 sqft · built 1939 |
| Lot Size | 0.532 acres (23,183 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $812,500 (Sep 2016) |
| Tax Bill | $14,207 (2026) |
| Deeds & Mortgages | Apr 2022 Line of Credit Nov 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:020.0-0000-0083.0 |
| Primary APN | READ M:020.0-0000-0083.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,290 sqft Living Area |
| Gross Area | 5,545 sqft |
| Basement Area | 1,048 sqft |
| Unfinished Basement | 849 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,183 sqft (0.532 acres) |
| Garage Type | Attached |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 690000000360 |
|---|---|
| Street Address | 149 PROSPECT ST |
| City | READING |
| State | MA |
| Zip | 01867-2335 |
| 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 | 149 PROSPECT ST, READING, MA 01867-2335 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 21, 2022 | Deed of Trust, Mortgage · Line of Credit LEADER BANK NA |
| Nov 15, 2023 | Deed of Trust, Mortgage · Line of Credit LEADER BANK NA |
| Nov 24, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA |
| Jan 28, 2019 | Deed of Trust, Mortgage LEADER BANK NA |
| Nov 24, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2016 · Amount on Record |
| Deed Sale | Sep 12, 2016 · Amount on Record |
| Prior Sale | Aug 23, 1995 · Amount on Record |
| Deed Book / Page | 67999 / 528 |
| Transfer Doc | 067999-528 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 149 PROSPECT ST, READING, MA 01867-2335 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 080010-418 |
|---|---|
| Date | Apr 21, 2022 |
| Book Page | 80010/418 |
| Instrument | 59643 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 149 PROSPECT ST, READING, MA 01867-2335 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 082211-570 |
|---|---|
| Date | Nov 15, 2023 |
| Book Page | 82211/570 |
| Instrument | 130648 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 149 PROSPECT ST, READING, MA 01867-2335 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 079221-338 |
|---|---|
| Date | Nov 24, 2021 |
| Book Page | 79221/338 |
| Instrument | 256379 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 149 PROSPECT ST, READING, MA 01867-2335 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 072167-554 |
|---|---|
| Date | Jan 28, 2019 |
| Book Page | 72167/554 |
| Instrument | 11209 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 149 PROSPECT ST, READING, MA 01867-2335 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 79221-338 |
|---|---|
| Date | Nov 24, 2021 |
| Book Page | 79221/338 |
| Instrument | 256379 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
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 | $14,207.00 (+1.52%) | $1,296,300 (+5.51%) Land $561,000 Building $735,300 | $1,525,417 (+22.75%) |
| 2025 | $13,994.00 (+7.42%) | $1,228,600 (+10.54%) Land $531,700 Building $696,900 | $1,242,695 (+2.56%) |
| 2024 | $13,027.00 (+3.24%) | $1,111,500 (+10.91%) Land $510,700 Building $600,800 | $1,211,630 |
| 2023 | $12,618.00 | $1,002,200 Land $460,500 Building $541,700 |
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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