Middlesex County and Reading Town property record for 186 Bancroft Ave, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,137 sqft · built 1916 |
| Lot Size | 0.205 acres (8,912 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $418,000 (Jun 2003) |
| Tax Bill | $9,348 (2026) |
| Deeds & Mortgages | Feb 2026 Line of Credit Feb 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:027.0-0000-0129.0 |
| Primary APN | READ M:027.0-0000-0129.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,137 sqft Living Area |
| Gross Area | 3,172 sqft |
| Basement Area | 676 sqft |
| Unfinished Basement | 365 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,912 sqft (0.205 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1010000000870 |
|---|---|
| Street Address | 186 BANCROFT AVE |
| City | READING |
| State | MA |
| Zip | 01867-2002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 334300 |
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 | 186 BANCROFT AVE, READING, MA 01867-2002 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 4, 2026 | Deed of Trust, Mortgage · Line of Credit STONEHAM COOPERATIVE BANK |
| Feb 18, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance WASHINGTON TRUST MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 9, 2003 · Amount on Record |
| Deed Sale | Jun 9, 2003 · Amount on Record |
| Deed Document Number | 20031368 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 186 BANCROFT AVE, READING, MA 01867-2002 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00085194-1 |
|---|---|
| Date | Feb 4, 2026 |
| Book Page | 85194/1 |
| Instrument | 12593 |
| Name | STONEHAM COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 186 BANCROFT AVE, READING, MA 01867-2002 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74144-230 |
|---|---|
| Date | Feb 18, 2020 |
| Book Page | 74144/230 |
| Instrument | 23860 |
| Name | WASHINGTON TRUST MORTGAGE CO |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2040 |
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 | $9,348.00 (+1.5%) | $852,900 (+5.48%) Land $504,200 Building $344,600 | $879,971 (+5.07%) |
| 2025 | $9,210.00 (+1.16%) | $808,600 (+4.09%) Land $477,900 Building $330,700 | $837,520 (+5.62%) |
| 2024 | $9,104.00 (+3.17%) | $776,800 (+10.83%) Land $459,000 Building $317,800 | $792,965 |
| 2023 | $8,824.00 | $700,900 Land $413,900 Building $287,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 368 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 |
| AT&T Fixed Wireless | 100 / 20 |
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