Middlesex County and North Reading Town property record for 2 Summer St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,108 sqft · built 1930 |
| Lot Size | 0.8 acres (34,848 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $770,000 (Feb 2025) |
| Tax Bill | $9,093 (2026) |
| Deeds & Mortgages | Sep 2025 Mortgage Mar 2025 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:04-P:050 |
| Primary APN | M:04-P:050 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,108 sqft Living Area |
| Gross Area | 1,373 sqft |
| 1st Floor Area | 1,373 sqft |
| Basement Area | 980 sqft |
| Unfinished Basement | 980 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 34,848 sqft (0.8 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 2 SUMMER ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 50.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 330202 |
Source: Middlesex County and North 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 | Individual Name on Record |
|---|---|
| Mailing Address | SUMMER ST, N READING, MA |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Sep 29, 2025 | Deed of Trust, Mortgage · Conventional Mortgage NATIONS DIRECT MORTGAGE LLC |
| Mar 24, 2025 | Deed of Trust, Mortgage · Stand-Alone Refinance NATIONS DIRECT MORTGAGE LLC |
| Jun 14, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK OF ENGLAND |
| May 4, 2021 | Quit Claim Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 21, 2025 · Amount on Record |
| Deed Sale | Feb 21, 2025 · Amount on Record |
| Prior Sale | Jun 14, 2022 · Amount on Record |
| Deed Book / Page | 83785 / 491 |
| Prior Transfer Date | Feb 20, 2025 |
| Prior Transfer Doc | 083785-491 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 2 SUMMER ST, NORTH READING, MA 01864-2026 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0084668-64 |
|---|---|
| Date | Sep 29, 2025 |
| Book Page | 84668/64 |
| Instrument | 117583 |
| Name | NATIONS DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 2 SUMMER ST, NORTH READING, MA 01864-2026 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0083886-30 |
|---|---|
| Date | Mar 24, 2025 |
| Book Page | 83886/30 |
| Instrument | 29517 |
| Name | NATIONS DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Jun 14, 2022 |
| Property Address | 2 SUMMER ST, NORTH READING, MA 01864-2026 |
| Document Number | 080271-420 |
| Book / Page | 80271 / 420 |
| Instrument Date | Jun 13, 2022 |
| Instrument | 89077 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2 SUMMER ST, NORTH READING, MA 01864-2026 |
| Document Number | 0000089078 |
|---|---|
| Date | Jun 14, 2022 |
| Instrument | 89078 |
| Name | BANK OF ENGLAND |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | May 4, 2021 |
| Property Address | 2 SUMMER ST, NORTH READING, MA 01864-2026 |
| Document Number | 0077686-97 |
| Book / Page | 77686 / 97 |
| Instrument Date | Apr 15, 2021 |
| Instrument | 101178 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2 SUMMER ST, NORTH READING, MA 01864-2026 |
Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,093.00 (+4.12%) | $698,400 (+4.44%) Land $412,600 Building $285,800 | $750,252 |
| 2025 | $8,733.00 (+4.14%) | $668,700 (+5.34%) Land $396,900 Building $271,800 | |
| 2024 | $8,386.00 (+3.06%) | $634,800 (+9.15%) Land $374,300 Building $260,500 | |
| 2023 | $8,137.00 | $581,600 Land $343,700 Building $237,900 |
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 | 4 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.
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 | 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 144 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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