17 Franklin St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 17 Franklin St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,386 sqft · built 1948
Lot Size	0.346 acres (15,076 sqft)
Owner	2 Individual Names on Record
Last Sale	$715,000 (Jul 2019)
Tax Bill	$9,976 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:052.0-0000-0080.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:052.0-0000-0080.0`
Alternative APNs	`M:052.0=0000=0080.0` `2270000000040` `2270000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,386 sqft Living Area
Gross Area	4,437 sqft
Basement Area	1,472 sqft
Unfinished Basement	294 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1965
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,076 sqft (0.346 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2270000000040
Street Address	17 FRANKLIN ST
City	READING
State	MA
Zip	01867-1118
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	1
Census Block	1000
Census Tract	334300

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	17 FRANKLIN ST, READING, MA 01867-1118
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2020	Deed of Trust, Mortgage · Conventional with PMI ROSS MTG CO INC
Jul 22, 2019	Quit Claim Deed, Transfer · FHA Mortgage ROSS MTG CO INC
Sep 28, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2019 · Amount on Record
Deed Sale	Jul 22, 2019 · Amount on Record
Prior Sale	Mar 19, 1969 · Amount on Record
Deed Document Number	2019104979
Deed Book / Page	72968 / 482
Prior Transfer Date	Jul 18, 2019
Prior Transfer Doc	72968-482
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	17 FRANKLIN ST, READING, MA 01867-1118
Document Number	74407-517
Instrument Date	Mar 30, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 FRANKLIN ST READING MA 018671118, READING, MA 01867-1118

Mortgage

Document Number	74407-517
Date	Apr 3, 2020
Book Page	074407/000517
Instrument	49799

Lender

Name	ROSS MTG CO INC

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 2, 2050

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jul 22, 2019
Property Address	17 FRANKLIN ST, READING, MA 01867-1118
Document Number	72968-482
Book / Page	072968 / 000482
Instrument Date	Jul 18, 2019
Instrument	104979
Transaction Type	Transfer
Record Updated	Aug 6, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,260.40
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	17 FRANKLIN ST READING MA 018671118, READING, MA 01867-1118

Mortgage

Document Number	72968-484
Date	Jul 22, 2019
Book Page	072968/000484
Instrument	104980

Lender

Name	ROSS MTG CO INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	17 FRANKLIN ST, READING, MA 01867-1118
Document Number	71719-260
Instrument Date	Sep 28, 2018
Transaction Type	Mortgage
Record Updated	Oct 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 FRANKLIN ST READING MA 018671118, READING, MA 01867-1118

Mortgage

Document Number	71719-260
Date	Oct 9, 2018
Book Page	071719/000260
Instrument	154980

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2048

Interest

Rate Type	Adjustable Rate

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	$9,976.00 (+3.37%)	$910,200 (+7.42%) Land $509,300 Building $384,000	$995,567 (-22.52%)
2025	$9,651.00 (+0.17%)	$847,300 (+3.07%) Land $473,500 Building $373,800	$1,284,875 (+28.96%)
2024	$9,635.00 (+6.55%)	$822,100 (+14.45%) Land $459,100 Building $363,000	$996,360
2023	$9,043.00	$718,300 Land $399,900 Building $318,400

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	1 in force
Nearby Flood Claims	2 (1982–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2010 · Severe Storms And Flooding

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 203 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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