195 Summer Ave, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 195 Summer Ave, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,709 sqft · built 1956
Lot Size	0.391 acres (17,028 sqft)
Owner	2 Individual Names on Record
Last Sale	$237,750 (Jun 1993)
Tax Bill	$12,210 (2025)
Deeds & Mortgages	Nov 2022 Transfer Jan 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`49000000029B`

Property Details

APN / Parcel Number

Primary APN	`49000000029B`
Alternative APNs	`READ M:015.0-0000-0162.0` `M:015.0=0000=0162.0` `490000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,709 sqft Living Area
Gross Area	4,824 sqft
Basement Area	1,203 sqft
Unfinished Basement	1,203 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,028 sqft (0.391 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	49000000029B
Street Address	195 SUMMER AVE
City	READING
State	MA
Zip	01867-2825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	4
Census Block	4015
Census Tract	334200

Owner

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	2 Individual Names on Record
Mailing Address	195 SUMMER AVE, READING, MA 01867-2825
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Quit Claim Deed, Transfer Quitclaim
Jan 16, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 1993 · Amount on Record
Deed Sale	Jun 2, 1993 · Amount on Record
Prior Sale	Nov 9, 1988 · Amount on Record
Last Transfer Date	Nov 28, 2022
Transfer Doc	080994-555
Record Updated	Sep 20, 2026

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Nov 29, 2022
Property Address	195 SUMMER AVE, READING, MA 01867-2825
Document Number	080994-555
Book / Page	80994 / 555
Instrument Date	Nov 28, 2022
Instrument	174039
Transaction Type	Transfer
Record Updated	Dec 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	195 SUMMER AVE, READING, MA 01867-2825

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	195 SUMMER AVE, READING, MA 01867-2825
Document Number	72210-543
Instrument Date	Jan 16, 2019
Transaction Type	Mortgage
Record Updated	Feb 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 SUMMER AVE READING MA 018672825, READING, MA 01867-2825

Mortgage

Document Number	72210-543
Date	Feb 8, 2019
Book Page	072210/000543
Instrument	16524

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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
2025	$12,210.00 (+1.17%)	$1,072,000 (+4.1%) Land $508,500 Building $563,500	$999,590 (+2.2%)
2024	$12,069.00 (+3.22%)	$1,029,800 (+10.89%) Land $488,400 Building $541,400	$978,025
2023	$11,692.00	$928,700 Land $440,400 Building $488,300

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2001 · 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.

Wildfire

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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 523 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

Cell Coverage

5G (outdoors only) and 4G LTE

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