168 Summer Ave, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 168 Summer Ave, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,260 sqft · built 1966
Lot Size	0.472 acres (20,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,250,000 (Jul 2026)
Tax Bill	$12,299 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:015.0-0000-0299.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:015.0-0000-0299.0`
Alternative APNs	`M:015.0=0000=0299.0` `610000000180` `610000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,260 sqft Living Area
Gross Area	3,812 sqft
Basement Area	1,856 sqft
Unfinished Basement	1,392 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1990
Architectural Style	Split Foyer
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,560 sqft (0.472 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	610000000180
Street Address	168 SUMMER AVE
City	READING
State	MA
Zip	01867-2824
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	3006
Census Tract	334200

Owner

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	2 Individual Names on Record
Mailing Address	168 SUMMER AVE, READING, MA 01867-2824
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Quit Claim Deed, Transfer · Conventional Mortgage SALEM FIVE MORTGAGE CORPORATION
Dec 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA
Jul 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Aug 2, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DIGITAL FCU
Dec 18, 2017	Deed of Trust, Mortgage DIGITAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2026 · Amount on Record
Deed Sale	Jul 13, 2026 · Amount on Record
Prior Sale	Dec 18, 2015 · Amount on Record
Deed Document Number	202685731
Deed Book / Page	85866 / 447
Transfer Doc	0066554-20
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jul 13, 2026
Property Address	168 SUMMER AVE, READING, MA 01867-2824
Document Number	0000085731
Book / Page	85866 / 447
Instrument Date	Jul 9, 2026
Instrument	202685731
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	168 SUMMER AVE, READING, MA 01867-2824

Mortgage

Date	Jul 13, 2026

Lender

Name	SALEM FIVE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Type Change Date	Aug 1, 2033
Index	1-Year CMT
Margin	3
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	168 SUMMER AVE, READING, MA 01867-2824
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	079357-523
Date	Dec 15, 2021
Book Page	79357/523
Instrument	270717

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2053

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	168 SUMMER AVE, READING, MA 01867-2824
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078207-395
Date	Jul 9, 2021
Book Page	78207/395
Instrument	155000

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2041

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	168 SUMMER AVE, READING, MA 01867-2824
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0081846-58
Date	Aug 2, 2023
Book Page	81846/58
Instrument	86209

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2043

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	168 SUMMER AVE, READING, MA 01867-2824
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70402-532
Date	Dec 18, 2017
Book Page	70402/532
Instrument	204957

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	252 Months
Due	Dec 1, 2038

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	$12,299.00 (+1.48%)	$1,122,200 (+5.46%) Land $550,500 Building $563,400	$1,179,529 (+14.97%)
2025	$12,120.00 (+1.14%)	$1,064,100 (+4.08%) Land $521,800 Building $542,300	$1,025,905 (+5.36%)
2024	$11,983.00 (+3.15%)	$1,022,400 (+10.81%) Land $501,200 Building $521,200	$973,750
2023	$11,617.00	$922,700 Land $451,900 Building $470,800

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

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.

Wildfire

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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