2 Lloyd Rd, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 2 Lloyd Rd, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,300 sqft · built 1966
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$479,900 (Feb 2018)
Tax Bill	$9,243 (2026)
Deeds & Mortgages	Aug 2024 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:32-P:041`

Property Details

APN / Parcel Number

Primary APN	`M:32-P:041`
Alternative APN	`NREA M:032.0 B:0000 L:0041.0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft
Basement Area	1,300 sqft
Unfinished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	2 LLOYD RD
City	NORTH READING
State	MA
Zip	01864-1802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	41.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	2
Census Block	2000
Census Tract	330102

Owner

2 Lloyd Rd is owned and occupied by two individuals who bought it in February 2018.

Source: Middlesex County and North Reading Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2 LLOYD RD, NORTH READING, MA 01864-1802
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 12, 2018	Quit Claim Deed, Transfer · FHA Mortgage GMH MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2018 · Amount on File
Deed Sale	Feb 12, 2018 · Amount on File
Prior Sale	May 27, 2009 · Amount on File
Transfer Doc	0001781796
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	2 LLOYD RD, NORTH READING, MA 01864-1802
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001962849
Date	Aug 28, 2024
Instrument	1962849

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	289 Months
Due	Sep 1, 2048

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Feb 12, 2018
Property Address	2 LLOYD RD, NORTH READING, MA 01864-1802
Document Number	0000081796
Instrument Date	Feb 6, 2018
Instrument	81796
Transaction Type	Transfer
Record Updated	Mar 7, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,188.34
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2 LLOYD RD NORTH READING MA 018641802, NORTH READING, MA 01864-1802

Mortgage

Document Number	81797
Date	Feb 12, 2018
Instrument	81797

Lender

Name	GMH MTG SVCS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 11, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 2 Lloyd Rd was $9,243, up 4.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,243.00 (+4.28%)	$709,900 (+4.6%) Land $422,700 Building $287,200	$729,798
2025	$8,864.00 (+3.27%)	$678,700 (+4.46%) Land $391,500 Building $287,200
2024	$8,583.00 (+5.24%)	$649,700 (+11.44%) Land $362,500 Building $287,200
2023	$8,156.00	$583,000 Land $350,800 Building $232,200

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

Flood

FEMA maps place 2 Lloyd Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	1 in force

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

Wildfire risk around 2 Lloyd Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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	NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000
Water Source	Purchased surface water from ANDOVER WATER DEPT
Last State Inspection	Dec 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2020
Treatment and Procedure	Coliform assessment Aug 2019
Monitoring and Reporting	1 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 121 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

Cell Coverage

5G (outdoors only) and 4G LTE

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