195 Main St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 195 Main St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,066 sqft · built 1890
Lot Size	0.128 acres (5,571 sqft)
Owner	Individual Name on Record
Last Sale	$444,000 (Jul 2020)
Tax Bill	$6,326 (2026)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:007.0-0000-0265.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:007.0-0000-0265.0`
Alternative APNs	`M:007.0=0000=0265.0` `200000000040` `200000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,066 sqft Living Area
Gross Area	1,626 sqft
Basement Area	448 sqft
Unfinished Basement	448 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1961
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,571 sqft (0.128 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	200000000040
Street Address	195 MAIN ST
City	READING
State	MA
Zip	01867-3601
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	3005
Census Tract	334400

Owner

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	Individual Name on Record
Mailing Address	195 MAIN ST, READING, MA 01867-3601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2020 · Amount on Record
Deed Sale	Jul 31, 2020 · Amount on Record
Prior Sale	Oct 28, 2016 · Amount on Record
Deed Book / Page	75271 / 314
Prior Transfer Date	Jul 9, 2020
Prior Transfer Doc	075271-314
Record Updated	Oct 29, 2026

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jul 31, 2020
Property Address	195 MAIN ST, READING, MA 01867-3601
Document Number	075271-314
Book / Page	75271 / 314
Instrument Date	Jul 9, 2020
Instrument	128166
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 MAIN ST, READING, MA 01867-3601

Mortgage

Document Number	0000128167
Date	Jul 31, 2020
Instrument	128167

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Reading Town
Unified School District	Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,326.00 (+1.97%)	$577,200 (+5.97%) Land $371,600 Building $205,000	$621,926 (+10.47%)
2025	$6,204.00 (-0.89%)	$544,700 (+1.98%) Land $350,900 Building $193,800	$562,970 (+2.7%)
2024	$6,260.00 (+4.37%)	$534,100 (+12.11%) Land $344,100 Building $190,000	$548,150
2023	$5,998.00	$476,400 Land $306,900 Building $169,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	3 in force
Nearby Flood Claims	2 (1982–1996)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 1996 · Extreme Weather Conditons 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 94% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 243 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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