16 Varney Cir, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 16 Varney Cir, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,816 sqft · built 1994
Lot Size	3.26 acres (142,006 sqft)
Owner	2 Individual Names on Record
Last Sale	$538,000 (Aug 2014)
Tax Bill	$10,944 (2026)
Deeds & Mortgages	Apr 2021 Refinance Oct 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:029.0-0000-0109.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:029.0-0000-0109.0`
Alternative APNs	`M:029.0=0000=0109.0` `1080000000320` `1080000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,816 sqft Living Area
Gross Area	4,570 sqft
Basement Area	1,254 sqft
Unfinished Basement	502 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	142,006 sqft (3.26 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1080000000320
Street Address	16 VARNEY CIR
City	READING
State	MA
Zip	01867-1967
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	2
Census Block	2004
Census Tract	334400

Owner

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	16 VARNEY CIR, READING, MA 01867-1967
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Oct 11, 2022	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Jan 24, 2017	Deed of Trust, Mortgage FREEDOM MORTGAGE CORP
Jun 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2014 · Amount on Record
Deed Sale	Aug 25, 2014 · Amount on Record
Prior Sale	Sep 3, 2003 · Amount on Record
Deed Book / Page	64130 / 560
Transfer Doc	064130-560
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	16 VARNEY CIR, READING, MA 01867-1967
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077461-266
Date	Apr 8, 2021
Book Page	77461/266
Instrument	79033

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	May 1, 2050

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	16 VARNEY CIR, READING, MA 01867-1967
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080810-382
Date	Oct 11, 2022
Book Page	80810/382
Instrument	152099

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	16 VARNEY CIR, READING, MA 01867-1967
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	68801-24
Date	Jan 24, 2017
Book Page	68801/24
Instrument	12749

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Amount	Amount Recorded
Term	324 Months
Due	Jan 1, 2044

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	16 VARNEY CIR, READING, MA 01867-1967
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74827-105
Date	Jun 5, 2020
Book Page	74827/105
Instrument	86993

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Reading Town
Unified School District	Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,944.00 (+1.54%)	$998,500 (+5.52%) Land $573,500 Building $425,000	$1,093,713 (+17.24%)
2025	$10,778.00 (+3.7%)	$946,300 (+6.71%) Land $543,500 Building $402,800	$932,900 (+1.94%)
2024	$10,393.00 (+6.21%)	$886,800 (+14.1%) Land $522,100 Building $364,700	$915,135
2023	$9,785.00	$777,200 Land $470,700 Building $306,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearby Flood Claims	1 (1981)
Most Recent Claim	Feb 1981 · tidal / storm surge

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.

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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