Middlesex County and Reading Town property record for 16 Temple St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,438 sqft · built 1916 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $779,000 (Aug 2024) |
| Tax Bill | $8,364 (2025) |
| Deeds & Mortgages | Jan 2021 Refinance Feb 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:016.0-0000-0197.0 |
| Primary APN | READ M:016.0-0000-0197.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,438 sqft Living Area |
| Gross Area | 2,288 sqft |
| Basement Area | 598 sqft |
| Unfinished Basement | 598 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,001 sqft (0.115 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 510000000430 |
|---|---|
| Street Address | 16 TEMPLE ST |
| City | READING |
| State | MA |
| Zip | 01867-2830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 334200 |
Source: Middlesex County and Reading Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 16 TEMPLE ST, READING, MA 01867-2830 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jan 4, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BAY EQUITY LLC |
| Feb 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 9, 2024 · Amount on Record |
| Deed Sale | Aug 9, 2024 · Amount on Record |
| Prior Sale | Dec 5, 2016 · Amount on Record |
| Deed Book / Page | 83111 / 312 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 16 TEMPLE ST, READING, MA 01867-2830 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0076603-41 |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | 76603/41 |
| Instrument | 202100000348 |
| Name | BAY EQUITY LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 16 TEMPLE ST, READING, MA 01867-2830 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 085234-502 |
|---|---|
| Date | Feb 17, 2026 |
| Book Page | 85234/502 |
| Instrument | 17105 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
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 |
|---|---|---|---|
| 2025 | $8,364.00 (-1.15%) | $734,300 (+1.72%) Land $430,300 Building $304,000 | $725,135 (+0.59%) |
| 2024 | $8,461.00 (-1.18%) | $721,900 (+6.15%) Land $423,000 Building $298,900 | $720,860 |
| 2023 | $8,562.00 | $680,100 Land $398,500 Building $281,600 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 523 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 |
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