Middlesex County and Reading Town property record for 187 West St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,733 sqft · built 1940 |
| Lot Size | 0.541 acres (23,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $905,000 (Mar 2018) |
| Tax Bill | $13,504 (2026) |
| Deeds & Mortgages | Dec 2022 Line of Credit Sep 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:010.0-0000-0325.0 |
| Primary APN | READ M:010.0-0000-0325.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,733 sqft Living Area |
| Gross Area | 5,765 sqft |
| Basement Area | 1,042 sqft |
| Unfinished Basement | 1,042 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,583 sqft (0.541 acres) |
| Total Buildings | 2 Buildings |
| Heating System | Wood Furnace |
|---|---|
| Heating Fuel | Gas |
| Account Number | 380000000150 |
|---|---|
| Street Address | 187 WEST ST |
| City | READING |
| State | MA |
| Zip | 01867-3329 |
| 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 | 3008 |
| Census Tract | 334100 |
Source: Middlesex County and Reading Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 187 WEST ST, READING, MA 01867-3329 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 13, 2022 | Deed of Trust, Mortgage · Line of Credit THE WASHINGTON TRUST CO OF WESTERLY |
| Sep 25, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) SAVINGS BANK TRUST |
| Jul 28, 2020 | Deed of Trust, Mortgage · ARM THIRD FEDERAL SAVING & LOAN ASSOC |
| Mar 30, 2018 | Quit Claim Deed, Transfer GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 30, 2018 · Amount on Record |
| Deed Sale | Mar 30, 2018 · Amount on Record |
| Prior Sale | Apr 1, 1992 · Amount on Record |
| Transfer Doc | 0001784569 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 187 WEST ST, READING, MA 01867-3329 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001928918 |
|---|---|
| Date | Dec 13, 2022 |
| Instrument | 1928918 |
| Name | THE WASHINGTON TRUST CO OF WESTERLY |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 187 WEST ST, READING, MA 01867-3329 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001964284 |
|---|---|
| Date | Sep 25, 2024 |
| Instrument | 1964284 |
| Name | SAVINGS BANK TRUST |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 187 WEST ST, READING, MA 01867-3329 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0001848090 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 1848090 |
| Name | THIRD FEDERAL SAVING & LOAN ASSOC |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.14% |
| Type Change Date | May 1, 2025 |
| Index | Prime Rate |
| Margin | 1 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Mar 30, 2018 |
| Property Address | 187 WEST ST, READING, MA 01867-3329 |
| Document Number | 0000084569 |
| Instrument Date | Mar 22, 2018 |
| Instrument | 84569 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,126.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 187 WEST ST READING MA 018673329, READING, MA 01867-3329 |
| Document Number | 84570 |
|---|---|
| Date | Mar 30, 2018 |
| Instrument | 84570 |
| Name | GUARANTEED RATE |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 29, 2048 |
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 | $13,504.00 (-2.27%) | $1,232,100 (+1.56%) Land $467,700 Building $762,500 | $1,145,606 (-11.47%) |
| 2025 | $13,818.00 (+1.16%) | $1,213,200 (+4.09%) Land $460,500 Building $752,700 | $1,294,090 (-4.12%) |
| 2024 | $13,660.00 (+3.23%) | $1,165,500 (+10.89%) Land $442,400 Building $723,100 | $1,349,665 |
| 2023 | $13,232.00 | $1,051,000 Land $398,800 Building $652,200 |
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 | 1 in force |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Feb 1978 · tidal / storm surge |
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 | 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 418 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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