Middlesex County and Reading Town property record for 186 Lowell St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,578 sqft · built 1932 |
| Lot Size | 0.227 acres (9,906 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $765,000 (Jul 2024) |
| Tax Bill | $7,692 (2025) |
| Deeds & Mortgages | May 2025 Mortgage Feb 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:027.0-0000-0007.0 |
| Primary APN | READ M:027.0-0000-0007.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,578 sqft Living Area |
| Gross Area | 2,008 sqft |
| 1st Floor Area | 924 sqft |
| Basement Area | 576 sqft |
| Unfinished Basement | 334 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Conventional |
| Exterior Material | Asbestos |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,906 sqft (0.227 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | 840000000230 |
|---|---|
| Street Address | 186 LOWELL ST |
| City | READING |
| State | MA |
| Zip | 01867-2132 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 334200 |
Source: Middlesex County and Reading Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 186 LOWELL ST, READING, MA 01867-2132 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| May 29, 2025 | Deed of Trust, Mortgage · VA Mortgage NEW FED MORTGAGE CORP |
| Feb 18, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Jun 14, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Sep 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 19, 2024 · Amount on Record |
| Deed Sale | Jul 19, 2024 · Amount on Record |
| Prior Sale | Mar 30, 2012 · Amount on Record |
| Deed Book / Page | 83024 / 334 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 186 LOWELL ST, READING, MA 01867-2132 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00084149-1 |
|---|---|
| Date | May 29, 2025 |
| Book Page | 84149/1 |
| Instrument | 58801 |
| Name | NEW FED MORTGAGE CORP |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 186 LOWELL ST, READING, MA 01867-2132 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 076995-271 |
|---|---|
| Date | Feb 18, 2021 |
| Book Page | 76995/271 |
| Instrument | 36529 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 186 LOWELL ST, READING, MA 01867-2132 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0082885-18 |
|---|---|
| Date | Jun 14, 2024 |
| Book Page | 82885/18 |
| Instrument | 63012 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 186 LOWELL ST, READING, MA 01867-2132 |
| Document Number | 73371-1 |
| Instrument Date | Sep 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 186 LOWELL ST READING MA 018672132, READING, MA 01867-2132 |
| Document Number | 73371-1 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 073371/000001 |
| Instrument | 149123 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 29, 2049 |
| Rate Type | Adjustable Rate |
|---|
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 |
|---|---|---|---|
| 2025 | $7,692.00 (+1.13%) | $675,300 (+4.05%) Land $415,900 Building $259,400 | $708,130 (-0.05%) |
| 2024 | $7,606.00 (+3.16%) | $649,000 (+10.83%) Land $399,600 Building $249,400 | $708,510 |
| 2023 | $7,373.00 | $585,600 Land $360,300 Building $225,300 |
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 · 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.
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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