Middlesex County and Reading Town property record for 178 Lowell St, Unit 4, Reading, MA 01867
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1.5 ba · 937 sqft · built 1912 |
| Lot Size | 0.344 acres (15,010 sqft) |
| Owner | Individual Name on File |
| Last Sale | $510,000 (May 2024) |
| Tax Bill | $5,284 (2026) |
| Deeds & Mortgages | May 2024 Sale & Mortgage Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:027.0-0704-0008.0 |
| Primary APN | READ M:027.0-0704-0008.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Units | 5 Units |
| Stories | 2 Stories |
| Building Area | 937 sqft Living Area |
| Gross Area | 1,137 sqft |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1912 |
| Architectural Style | Other |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 15,010 sqft |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 840000024040 |
|---|---|
| Street Address | 178 LOWELL ST, 4 |
| City | READING |
| State | MA |
| Zip | 01867-2100 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | S15 |
| Legal Subdivision | MELODY MILLS |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 334200 |
178 Lowell St, Unit 4 is owned and occupied by an individual who bought it in May 2024.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 178 LOWELL ST, 4, READING, MA 01867-2100 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 10, 2024 | Condominium Deed, Transfer · Stand-Alone First Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Sep 20, 2018 | Deed of Trust, Mortgage LIBERTY HM EQUITY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 10, 2024 · Amount on File |
| Deed Sale | May 10, 2024 · Amount on File |
| Prior Sale | Jun 17, 1996 · Amount on File |
| Deed Book / Page | 82755 / 513 |
| Record Updated | Oct 29, 2026 |
| Document Type | Condominium Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | May 10, 2024 |
| Property Address | 178 LOWELL ST UNIT 4, 4, READING, MA 01867-2100 |
| Document Number | 082755-513 |
| Book / Page | 82755 / 513 |
| Instrument Date | May 3, 2024 |
| Instrument | 47935 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 178 LOWELL ST UNIT 4, 4, READING, MA 01867-2100 |
| Document Number | 0000047936 |
|---|---|
| Date | May 10, 2024 |
| Instrument | 47936 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 178 LOWELL ST UNIT 4, 4, READING, MA 01867-2100 |
| Document Number | 71661-512 |
| Instrument Date | Sep 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2019 |
| Name | Verified Name |
|---|---|
| Address | 178 LOWELL ST #4 READING MA 018672100, 4, READING, MA 01867-2100 |
| Document Number | 71661-512 |
|---|---|
| Date | Sep 25, 2018 |
| Book Page | 071661/000512 |
| Instrument | 147806 |
| Name | LIBERTY HM EQUITY |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 948 Months |
| Due | Sep 24, 2097 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.88% |
The 2026 property tax bill for 178 Lowell St, Unit 4 was $5,284, up 13.1% from the year before.
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,284.00 (+13.05%) | $482,100 (+17.47%) Building $482,100 | $512,935 (+7.94%) |
| 2025 | $4,674.00 (+34.16%) | $410,400 (+38.04%) Building $410,400 | $475,190 (+0.38%) |
| 2024 | $3,484.00 (-2.52%) | $297,300 (+4.72%) Building $297,300 | $473,385 |
| 2023 | $3,574.00 | $283,900 Building $283,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 178 Lowell St, Unit 4 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.
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 | 2 in force |
| Nearby Flood Claims | 1 (2010) |
| Claims Outside the SFHA | 1 of 1 |
| 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 risk around 178 Lowell St, Unit 4 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 99.1% of the US · lower than 98.7% 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 | 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 |
| 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.
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 |
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