175 Central St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 175 Central St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,498 sqft · built 1962
Lot Size	1.12 acres (48,787 sqft)
Owner	2 Individual Names on Record
Last Sale	$901,000 (Aug 2025)
Tax Bill	$9,411 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Aug 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:32-P:012`

Property Details

APN / Parcel Number

Primary APN	`M:32-P:012`
Alternative APN	`NREA M:032.0 B:0000 L:0012.0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,498 sqft Living Area
1st Floor Area	1,462 sqft
Basement Area	124 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	48,787 sqft (1.12 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	175 CENTRAL ST
City	NORTH READING
State	MA
Zip	01864-1701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	12.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	2
Census Block	2000
Census Tract	330102

Owner

Source: Middlesex County and North Reading Town records, as of April 14, 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	175 CENTRAL ST, NORTH READING, MA 01864-1701
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2025	Quit Claim Deed, Transfer FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 16, 2021	Quit Claim Deed, Transfer
Oct 20, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2025 · Amount on Record
Deed Sale	Aug 26, 2025 · Amount on Record
Prior Sale	Aug 16, 2021 · Amount on Record
Record Updated	Jun 8, 2026

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Aug 26, 2025
Property Address	175 CENTRAL ST, NORTH READING, MA 01864-1701
Document Number	0001983821
Instrument Date	Aug 26, 2025
Instrument	1983821
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	175 CENTRAL ST, NORTH READING, MA 01864-1701

Mortgage

Document Number	0001983843
Date	Aug 26, 2025
Instrument	1983843

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Aug 16, 2021
Property Address	175 CENTRAL ST, NORTH READING, MA 01864-1701
Document Number	0001890526
Instrument Date	Aug 5, 2021
Instrument	1890526
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	175 CENTRAL ST, NORTH READING, MA 01864-1701

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	175 CENTRAL ST, NORTH READING, MA 01864-1701
Document Number	0000003061
Instrument Date	Oct 20, 2018
Transaction Type	Mortgage
Record Updated	Dec 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 CENTRAL ST NORTH READING MA 018641701, NORTH READING, MA 01864-1701

Mortgage

Document Number	0000003061
Date	Dec 6, 2018
Instrument	3061

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$9,411.00 (+2.15%)	$720,600 (+3.33%) Land $408,000 Building $312,600
2024	$9,213.00 (+8.1%)	$697,400 (+14.48%) Land $384,800 Building $312,600
2023	$8,523.00	$609,200 Land $353,400 Building $255,800

Assessed value is set for property tax purposes and is not a market price estimate.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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