Middlesex County and Reading Town property record for 199 Summer Ave, Reading, MA 01867
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 3.5 ba · 4,295 sqft · built 1880 |
| Lot Size | 0.499 acres (21,719 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $740,000 (Aug 2007) |
| Tax Bill | $13,738 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit Sep 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:015.0-0000-0160.0 |
| Primary APN | READ M:015.0-0000-0160.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 14 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 4,295 sqft Living Area |
| Gross Area | 7,243 sqft |
| Basement Area | 1,473 sqft |
| Unfinished Basement | 1,473 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,719 sqft (0.499 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 490000000290 |
|---|---|
| Street Address | 199 SUMMER AVE |
| City | READING |
| State | MA |
| Zip | 01867-2825 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 334200 |
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 | 199 SUMMER AVE, READING, MA 01867-2825 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 12, 2026 | Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK |
| Sep 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP |
| May 28, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP |
| May 6, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2007 · Amount on Record |
| Deed Sale | Aug 9, 2007 · Amount on Record |
| Deed Document Number | 2007148897 |
| Deed Book / Page | 49922 / 95 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Aug 12, 2026 |
| Property Address | 199 SUMMER AVE, READING, MA 01867-2825 |
| Document Number | 0000101689 |
| Book / Page | 86006 / 12 |
| Instrument Date | Jul 19, 2026 |
| Instrument | 2026101689 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 199 SUMMER AVE, READING, MA 01867-2825 |
| Document Number | 0000101689, |
|---|---|
| Date | Aug 12, 2026 |
| Book Page | 86006/12 |
| Instrument | 2026101689 |
| Name | SALEM FIVE CENTS SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 199 SUMMER AVE, READING, MA 01867-2825 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78742-295 |
|---|---|
| Date | Sep 21, 2021 |
| Book Page | 78742/295 |
| Instrument | 209151 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 199 SUMMER AVE, READING, MA 01867-2825 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 72662-112 |
|---|---|
| Date | May 28, 2019 |
| Book Page | 72662/112 |
| Instrument | 69536 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 199 SUMMER AVE, READING, MA 01867-2825 |
| Document Number | 69310-280 |
| Instrument Date | May 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2018 |
| Name | Verified Name |
|---|
| Document Number | 69310-280 |
|---|---|
| Date | May 22, 2017 |
| Book Page | 069310/000280 |
| Instrument | 75046 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 21, 2047 |
| 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 |
|---|---|---|---|
| 2026 | $13,738.00 (+1.43%) | $1,253,500 (+5.42%) Land $555,200 Building $678,000 | $1,134,515 |
| 2025 | $13,544.00 (+1.1%) | $1,189,100 (+4.03%) Land $526,200 Building $662,900 | |
| 2024 | $13,396.00 (+3.05%) | $1,143,000 (+10.69%) Land $505,400 Building $637,600 | |
| 2023 | $13,000.00 | $1,032,600 Land $455,700 Building $576,900 |
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 (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.
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 | 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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