Middlesex County and North Reading Town property record for 172 Central St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,432 sqft · built 1978 |
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $680,000 (Jun 2020) |
| Tax Bill | $10,911 (2026) |
| Deeds & Mortgages | Jun 2020 Mortgage Apr 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:32-P:140 |
| Primary APN | M:32-P:140 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,432 sqft Living Area |
| Gross Area | 1,484 sqft |
| 1st Floor Area | 1,484 sqft |
| Basement Area | 500 sqft |
| Unfinished Basement | 150 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,075 sqft (0.92 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 172 CENTRAL ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-1721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 140.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 330201 |
Source: Middlesex County and North 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 | 172 CENTRAL ST, NORTH READING, MA 01864-1721 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 5, 2020 | Deed of Trust, Mortgage · Balloon Mortgage LEADER BANK NA |
| Apr 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA |
| Nov 21, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FBC MTG |
| Jun 8, 2018 | Deed of Trust, Mortgage · FHA Mortgage FBC MTG |
| Oct 20, 2016 | Deed of Trust, Mortgage · Conventional Mortgage TRIANGLE CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 5, 2020 · Amount on Record |
| Deed Sale | Jun 5, 2020 · Amount on Record |
| Prior Sale | Jun 30, 1993 · Amount on Record |
| Deed Document Number | 20201843355 |
| Prior Transfer Date | Jun 1, 2020 |
| Prior Transfer Doc | 1843355 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 172 CENTRAL ST, NORTH READING, MA 01864-1721 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001843357 |
|---|---|
| Date | Jun 5, 2020 |
| Instrument | 1843357 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 172 CENTRAL ST, NORTH READING, MA 01864-1721 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0001877486 |
|---|---|
| Date | Apr 22, 2021 |
| Instrument | 1877486 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 172 CENTRAL ST, NORTH READING, MA 01864-1721 |
| Document Number | 0000002329 |
| Instrument Date | Nov 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2018 |
| Name | Verified Name |
|---|---|
| Address | 172 CENTRAL ST NORTH READING MA 018641721, NORTH READING, MA 01864-1721 |
| Document Number | 0000002329 |
|---|---|
| Date | Nov 27, 2018 |
| Instrument | 2329 |
| Name | FBC MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 26, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 172 CENTRAL ST, NORTH READING, MA 01864-1721 |
| Document Number | 0000089795 |
| Instrument Date | Jun 8, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2018 |
| Name | Verified Name |
|---|---|
| Address | 172 CENTRAL ST NORTH READING MA 018641721, NORTH READING, MA 01864-1721 |
| Document Number | 0000089795 |
|---|---|
| Date | Jun 13, 2018 |
| Instrument | 89795 |
| Name | FBC MTG |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 12, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 172 CENTRAL ST, NORTH READING, MA 01864-1721 |
| Document Number | 0001752668 |
| Instrument Date | Oct 20, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0001752668 |
|---|---|
| Date | Jan 26, 2017 |
| Instrument | 1752668 |
| Name | TRIANGLE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 25, 2042 |
Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,911.00 (+4.34%) | $838,000 (+4.66%) Land $418,500 Building $419,500 | $948,673 |
| 2025 | $10,457.00 (+6.14%) | $800,700 (+7.36%) Land $402,600 Building $398,100 | |
| 2024 | $9,852.00 (-1.47%) | $745,800 (+4.35%) Land $379,700 Building $366,100 | |
| 2023 | $9,999.00 | $714,700 Land $348,600 Building $366,100 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 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 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 | NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000 |
|---|---|
| Water Source | Purchased surface water from ANDOVER WATER DEPT |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2020 |
|---|---|
| Treatment and Procedure | Coliform assessment Aug 2019 |
| Monitoring and Reporting | 1 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 159 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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