175 Summer Ave, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 175 Summer Ave, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,623 sqft · built 1831
Lot Size	0.428 acres (18,652 sqft)
Owner	2 Trust Names on File
Last Sale	$875,000 (Feb 2019)
Tax Bill	$12,842 (2026)
Deeds & Mortgages	Oct 2021 Refinance Jan 2024 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:015.0-0000-0152.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:015.0-0000-0152.0`
Alternative APNs	`M:015.0=0000=0152.0` `490000000230` `490000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,623 sqft Living Area
Gross Area	3,888 sqft
Basement Area	951 sqft
Unfinished Basement	951 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1831
Effective Year Built	Effective 2017
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	18,652 sqft (0.428 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	490000000230
Street Address	175 SUMMER AVE
City	READING
State	MA
Zip	01867-2825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	4
Census Block	4015
Census Tract	334200

Owner

175 Summer Ave is owner-occupied and held in a trust since January 2024.

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 Trust Names on File
Mailing Address	175 SUMMER AVE, READING, MA 01867-2825
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER BANK
Jan 19, 2024	Quit Claim Deed, Transfer Quitclaim
Oct 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WEBSTER BANK
Nov 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Sep 18, 2019	Deed of Trust, Mortgage GUARANTEED RATE
Feb 27, 2019	Quit Claim Deed, Transfer GUARANTEED RATE
Aug 1, 2018	Quit Claim Deed, Transfer NORTHERN BK & TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2019 · Amount on File
Deed Sale	Feb 27, 2019 · Amount on File
Prior Sale	Aug 1, 2018 · Amount on File
Deed Book / Page	72271 / 417
Last Transfer Date	Jan 10, 2024
Transfer Doc	082410-233
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	175 SUMMER AVE, READING, MA 01867-2825
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0078886-35
Date	Oct 12, 2021
Book Page	78886/35
Instrument	223520

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jan 19, 2024
Property Address	175 SUMMER AVE, READING, MA 01867-2825
Document Number	082410-233
Book / Page	82410 / 233
Instrument Date	Jan 10, 2024
Instrument	6118
Transaction Type	Transfer
Record Updated	Feb 2, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 SUMMER AVE, READING, MA 01867-2825

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	175 SUMMER AVE, READING, MA 01867-2825
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78886-35
Date	Oct 12, 2021
Book Page	78886/35
Instrument	223520

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	175 SUMMER AVE, READING, MA 01867-2825
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76295-190
Date	Nov 30, 2020
Book Page	76295/190
Instrument	225602

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	175 SUMMER AVE, READING, MA 01867-2825
Document Number	73331-432
Instrument Date	Sep 18, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 SUMMER AVE READING MA 018672825, READING, MA 01867-2825

Mortgage

Document Number	73331-432
Date	Sep 24, 2019
Book Page	073331/000432
Instrument	145126

Lender

Name	GUARANTEED RATE

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 23, 2049

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Feb 27, 2019
Property Address	175 SUMMER AVE, READING, MA 01867-2825
Document Number	72271-417
Book / Page	072271 / 000417
Instrument Date	Feb 26, 2019
Instrument	24073
Transaction Type	Transfer
Record Updated	Mar 25, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,990.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	175 SUMMER AVE READING MA 018672825, READING, MA 01867-2825

Mortgage

Document Number	72271-420
Date	Feb 27, 2019
Book Page	072271/000420
Instrument	24074

Lender

Name	GUARANTEED RATE

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 26, 2049

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 1, 2018
Property Address	175 SUMMER AVE, READING, MA 01867-2825
Document Number	71416-242
Book / Page	71416 / 242
Instrument	117143
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$84.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 SUMMER AVE, READING, MA 01867-2825

Mortgage

Document Number	714160246
Date	Aug 1, 2018
Instrument	71416/0246

Lender

Name	NORTHERN BK & TR

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 175 Summer Ave was $12,842, up 1.5% from the year before.

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	$12,842.00 (+1.46%)	$1,171,700 (+5.44%) Land $542,900 Building $628,300	$1,326,200 (+15.5%)
2025	$12,657.00 (+1.18%)	$1,111,200 (+4.1%) Land $514,600 Building $596,600	$1,148,265 (+5.86%)
2024	$12,510.00 (+3.23%)	$1,067,400 (+10.9%) Land $494,300 Building $573,100	$1,084,710
2023	$12,118.00	$962,500 Land $445,700 Building $516,800

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

Flood

FEMA maps place 175 Summer Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.

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	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2001 · 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

Wildfire risk around 175 Summer Ave is low, with less than a 0.01% annual chance of 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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