Middlesex County and North Reading Town property record for 159 Elm St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,590 sqft · built 1965 |
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $710,000 (Jan 2025) |
| Tax Bill | $7,930 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Sep 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:75-P:054 |
| Primary APN | M:75-P:054 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,590 sqft Living Area |
| 1st Floor Area | 1,696 sqft |
| Basement Area | 1,000 sqft |
| Unfinished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 47,916 sqft (1.1 acres) |
| Total Buildings | 2 Buildings |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 159 ELM ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2914 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 54.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 330101 |
Source: Middlesex County and North Reading Town records · APN M:75-P:054
Assessment roll updated April 14, 2026 · Last verified April 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 | 159 ELM ST, NORTH READING, MA 01864-2914 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage TOTAL MORTGAGE SERVICES |
| Sep 20, 2019 | Quit Claim Deed, Transfer · Conventional with PMI GUARANTEED RATE |
| Dec 02, 2017 | Deed of Trust, Mortgage · Line of Credit METRO CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 02, 2025 · Amount on Record |
| Deed Sale | Jan 02, 2025 · Amount on Record |
| Prior Sale | Sep 20, 2019 · Amount on Record |
| Deed Book / Page | 83643 / 365 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Jul 10, 2026 |
| Property Address | 159 ELM ST, NORTH READING, MA 01864-2914 |
| Document Number | 0000084833 |
| Book / Page | 85858 / 366 |
| Instrument Date | Jul 06, 2026 |
| Instrument | 202684833 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 159 ELM ST, NORTH READING, MA 01864-2914 |
| Document Number | 0000084833, |
|---|---|
| Date | Jul 10, 2026 |
| Book Page | 85858/366 |
| Instrument | 202684833 |
| Name | TOTAL MORTGAGE SERVICES |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Sep 20, 2019 |
| Property Address | 159 ELM ST, NORTH READING, MA 01864-2914 |
| Document Number | 73314-140 |
| Book / Page | 073314 / 000140 |
| Instrument Date | Sep 06, 2019 |
| Instrument | 143406 |
| Transaction Type | Transfer |
| Record Updated | Oct 08, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,330.16 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 159 ELM ST NORTH READING MA 018642914, NORTH READING, MA 01864-2914 |
| Document Number | 73314-143 |
|---|---|
| Date | Sep 20, 2019 |
| Book Page | 073314/000143 |
| Instrument | 143407 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 19, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 159 ELM ST, NORTH READING, MA 01864-2914 |
| Document Number | 70349-511 |
| Book / Page | 070349 / 000511 |
| Instrument Date | Dec 02, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 03, 2018 |
| Name | Verified Name |
|---|
| Document Number | 70349-511 |
|---|---|
| Date | Dec 07, 2017 |
| Book Page | 070349/000511 |
| Instrument | 198701 |
| Name | METRO CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 06, 2037 |
| Rate Type | Adjustable Rate |
|---|
Source: Middlesex County and North Reading Town records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $7,930.00 (+2.81%) | $607,200 (+3.99%) Land $407,800 Building $199,400 |
| 2024 | $7,713.00 (+7.2%) | $583,900 (+13.53%) Land $384,500 Building $199,400 |
| 2023 | $7,195.00 | $514,300 Land $353,200 Building $161,100 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| Starlink Satellite | 280 / 30 |
Based on FCC filings for 28 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTH READING WATER DEPT. serves 16,379 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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