Middlesex County and North Reading Town property record for 184 Central St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,632 sqft · built 1950 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $285,000 (Mar 2009) |
| Tax Bill | $7,641 (2026) |
| Deeds & Mortgages | Sep 2020 Refinance Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:32-P:006 |
| Primary APN | M:32-P:006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,632 sqft Living Area |
| Gross Area | 1,200 sqft |
| 1st Floor Area | 1,200 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 432 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,504 sqft (0.31 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 184 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 | 6.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 330201 |
184 Central St is owned and occupied by an individual who bought it in March 2009.
Source: Middlesex County and North Reading Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 184 CENTRAL ST, NORTH READING, MA 01864-1721 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 22, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Oct 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2009 · Amount on File |
| Deed Sale | Mar 27, 2009 · Amount on File |
| Prior Sale | Jul 29, 1994 · Amount on File |
| Deed Document Number | 200951031 |
| Deed Book / Page | 52479 / 406 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 184 CENTRAL ST, NORTH READING, MA 01864-1721 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 075687-219 |
|---|---|
| Date | Sep 22, 2020 |
| Book Page | 75687/219 |
| Instrument | 168206 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 184 CENTRAL ST, NORTH READING, MA 01864-1721 |
| Document Number | 73572-404 |
| Instrument Date | Oct 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 184 CENTRAL ST NORTH READING MA 018641721, NORTH READING, MA 01864-1721 |
| Document Number | 73572-404 |
|---|---|
| Date | Nov 1, 2019 |
| Book Page | 073572/000404 |
| Instrument | 170071 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 31, 2049 |
The 2026 property tax bill for 184 Central St was $7,641, down 1.7% from the year before.
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 | $7,641.00 (-1.67%) | $586,900 (-1.36%) Land $380,000 Building $206,900 | $689,613 |
| 2025 | $7,771.00 (+3.65%) | $595,000 (+4.85%) Land $365,100 Building $229,900 | |
| 2024 | $7,497.00 (+4.71%) | $567,500 (+10.88%) Land $344,200 Building $223,300 | |
| 2023 | $7,160.00 | $511,800 Land $316,400 Building $195,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 184 Central St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 184 Central St 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 95% of the US · lower than 90% 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.
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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