Middlesex County and Reading Town property record for 16 Eaton St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,744 sqft · built 1870 |
| Lot Size | 0.321 acres (14,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $800,000 (May 2023) |
| Tax Bill | $9,652 (2026) |
| Deeds & Mortgages | Mar 2021 Line of Credit Nov 2023 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:022.0-0000-0226.0 |
| Primary APN | READ M:022.0-0000-0226.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,744 sqft Living Area |
| Gross Area | 3,726 sqft |
| 1st Floor Area | 1,534 sqft |
| Basement Area | 798 sqft |
| Unfinished Basement | 798 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,000 sqft (0.321 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 780000000400 |
|---|---|
| Street Address | 16 EATON ST |
| City | READING |
| State | MA |
| Zip | 01867-2703 |
| 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 | 4003 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 16 EATON ST, READING, MA 01867-2703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2021 | Deed of Trust, Mortgage · Line of Credit WINCHESTER COOPERATIVE BANK |
| Nov 20, 2023 | Quit Claim Deed, Transfer Quitclaim |
| May 15, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORTHERN HM LOANS LLC |
| Sep 16, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage MAIN STREET LENDING LLC |
| Jan 7, 2019 | Deed of Trust, Mortgage · ARM WINCHESTER COOPERATIVE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 15, 2023 · Amount on Record |
| Deed Sale | May 15, 2023 · Amount on Record |
| Prior Sale | Sep 16, 2022 · Amount on Record |
| Deed Book / Page | 81534 / 79 |
| Last Transfer Date | Nov 20, 2023 |
| Transfer Doc | 082229-483 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 16 EATON ST, READING, MA 01867-2703 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 077196-591 |
|---|---|
| Date | Mar 11, 2021 |
| Book Page | 77196/591 |
| Instrument | 54380 |
| Name | WINCHESTER COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2041 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Nov 20, 2023 |
| Property Address | 16 EATON ST, READING, MA 01867-2703 |
| Document Number | 082229-483 |
| Book / Page | 82229 / 483 |
| Instrument Date | Nov 20, 2023 |
| Instrument | 132851 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 EATON ST, READING, MA 01867-2703 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | May 15, 2023 |
| Property Address | 16 EATON ST, READING, MA 01867-2703 |
| Document Number | 0081534-79 |
| Book / Page | 81534 / 79 |
| Instrument Date | May 15, 2023 |
| Instrument | 49865 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2023 |
| 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 |
|---|---|
| Address | 16 EATON ST, READING, MA 01867-2703 |
| Document Number | 0000049866 |
|---|---|
| Date | May 15, 2023 |
| Instrument | 49866 |
| Name | NORTHERN HM LOANS LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Jun 1, 2028 |
| Max Rate At Change | 2.5% |
| Index | 1-Year CMT |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Sep 16, 2022 |
| Property Address | 16 EATON ST, READING, MA 01867-2703 |
| Document Number | 080719-541 |
| Book / Page | 80719 / 541 |
| Instrument Date | Sep 16, 2022 |
| Instrument | 141233 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 WHITNEY ST, SAUGUS, MA 01906-4327 |
| Document Number | 0000141234 |
|---|---|
| Date | Sep 16, 2022 |
| Instrument | 141234 |
| Name | MAIN STREET LENDING LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 16 EATON ST, READING, MA 01867-2703 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 72096-375 |
|---|---|
| Date | Jan 7, 2019 |
| Book Page | 72096/375 |
| Instrument | 1976 |
| Name | WINCHESTER COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Jan 4, 2024 |
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 | $9,652.00 (+0.5%) | $880,700 (+4.45%) Land $448,300 Building $427,100 | $857,319 (-6.94%) |
| 2025 | $9,604.00 (+3.31%) | $843,200 (+6.3%) Land $429,100 Building $414,100 | $921,215 (+4.97%) |
| 2024 | $9,296.00 (+1.94%) | $793,200 (+9.51%) Land $403,500 Building $389,700 | $877,610 |
| 2023 | $9,119.00 | $724,300 Land $368,200 Building $356,100 |
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 |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 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 | 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 392 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 |
| AT&T Fixed Wireless | 100 / 20 |
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