176 Summer Ave, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 176 Summer Ave, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,504 sqft · built 1841
Lot Size	1.06 acres (46,174 sqft)
Owner	2 Individual Names on Record
Last Sale	$865,900 (Jul 2019)
Tax Bill	$12,871 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Oct 2019 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:015.0-0000-0298.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:015.0-0000-0298.0`
Alternative APNs	`M:015.0=0000=0298.0` `610000000170` `610000000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	3,504 sqft Living Area
Gross Area	6,899 sqft
Basement Area	1,698 sqft
Unfinished Basement	1,698 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1841
Effective Year Built	Effective 1980
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	46,174 sqft (1.06 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	610000000170
Street Address	176 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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	176 SUMMER AVE, READING, MA 01867-2824
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2022	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Oct 28, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Oct 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU
Aug 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
Jul 2, 2019	Quit Claim Deed, Transfer MORTGAGE NTWK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2019 · Amount on Record
Deed Sale	Jul 2, 2019 · Amount on Record
Prior Sale	Oct 25, 1991 · Amount on Record
Deed Document Number	201994038
Deed Book / Page	72874 / 417
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	176 SUMMER AVE, READING, MA 01867-2824
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080546-240
Date	Aug 8, 2022
Book Page	80546/240
Instrument	120854

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Sep 1, 2062

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	176 SUMMER AVE, READING, MA 01867-2824
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073540-363
Date	Oct 28, 2019
Book Page	73540/363
Instrument	166785

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Nov 1, 2024

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	176 SUMMER AVE, READING, MA 01867-2824
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	075887-456
Date	Oct 15, 2020
Book Page	75887/456
Instrument	187009

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Nov 1, 2025

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	176 SUMMER AVE, READING, MA 01867-2824
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078388-526
Date	Aug 2, 2021
Book Page	78388/526
Instrument	173659

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jul 2, 2019
Property Address	176 SUMMER AVE, READING, MA 01867-2824
Document Number	72874-417
Book / Page	072874 / 000417
Instrument Date	Jul 2, 2019
Instrument	94038
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,948.50
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	176 SUMMER AVE READING MA 018672824, READING, MA 01867-2824

Mortgage

Document Number	72874-421
Date	Jul 2, 2019
Book Page	072874/000421
Instrument	94039

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

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	$12,871.00 (+1.48%)	$1,174,400 (+5.47%) Land $642,900 Building $523,100	$1,300,396 (+12.08%)
2025	$12,683.00 (+1.15%)	$1,113,500 (+4.08%) Land $609,300 Building $504,200	$1,160,235 (+2.43%)
2024	$12,539.00 (+3.14%)	$1,069,900 (+10.8%) Land $585,300 Building $484,600	$1,132,685
2023	$12,157.00	$965,600 Land $527,800 Building $437,800

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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