196 Main St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 196 Main St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,810 sqft · built 1860
Lot Size	0.241 acres (10,502 sqft)
Owner	2 Individual Names on File
Last Sale	$341,500 (Apr 2013)
Tax Bill	$7,691 (2025)
Deeds & Mortgages	Feb 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`READ M:007.0-0000-0254.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:007.0-0000-0254.0`
Alternative APNs	`M:007.0=0000=0254.0` `190000000260` `190000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,810 sqft Living Area
Gross Area	2,683 sqft
Basement Area	711 sqft
Unfinished Basement	711 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1965
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,502 sqft (0.241 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	190000000260
Street Address	196 MAIN ST
City	READING
State	MA
Zip	01867-3602
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	1010
Census Tract	334100

Owner

Source: Middlesex County and Reading Town records · APN READ M:007.0-0000-0254.0

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	196 MAIN ST, READING, MA 01867-3602
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 22, 2013 · Amount on Record
Deed Sale	Apr 22, 2013 · Amount on Record
Prior Sale	Jan 26, 2007 · Amount on Record
Deed Book / Page	61644 / 218
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	196 MAIN ST, READING, MA 01867-3602
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	72253-523
Date	Feb 22, 2019
Book Page	72253/523
Instrument	21987

Lender

Name	CENTURY BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Mar 01, 2039

Tax Assessment & Valuation

Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,691.00 (-0.89%)	$675,200 (+1.98%) Land $384,200 Building $291,000	$650,465 (+1.65%)
2024	$7,760.00 (+4.2%)	$662,100 (+11.94%) Land $376,600 Building $285,500	$639,920
2023	$7,447.00	$591,500 Land $336,000 Building $255,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	3 (1979–1998)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 1998 · Heavy Rains And Flooding

Wildfire

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 at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Radiate Holdings.

Based on FCC filings for 243 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	READING WATER DEPARTMENT (MWRA) serves 26,262 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.