Middlesex County and Reading Town property record for 20 Bear Hill Rd, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,264 sqft · built 1930 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $297,500 (Apr 2001) |
| Tax Bill | $7,855 (2026) |
| Deeds & Mortgages | Jun 2021 Refinance Jun 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:008.0-0000-0045.0 |
| Primary APN | READ M:008.0-0000-0045.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,264 sqft Living Area |
| Gross Area | 2,384 sqft |
| 1st Floor Area | 1,128 sqft |
| Basement Area | 664 sqft |
| Unfinished Basement | 664 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,001 sqft (0.23 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | 130000000130 |
|---|---|
| Street Address | 20 BEAR HILL RD |
| City | READING |
| State | MA |
| Zip | 01867-4007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 334400 |
Source: Middlesex County and Reading Town records, as of October 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 | 20 BEAR HILL RD, READING, MA 01867-4007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ALIGN CREDIT UNION |
| Jun 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ALIGN CREDIT UNION |
| Dec 31, 2016 | Deed of Trust, Mortgage · Line of Credit ALIGN CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 27, 2001 · Amount on Record |
| Deed Sale | Apr 27, 2001 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 20 BEAR HILL RD, READING, MA 01867-4007 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0001881609 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 1881609 |
| Name | ALIGN CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jul 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 20 BEAR HILL RD, READING, MA 01867-4007 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1881609 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 1881609 |
| Name | ALIGN CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jul 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 20 BEAR HILL RD, READING, MA 01867-4007 |
| Document Number | 0001751985 |
| Instrument Date | Dec 31, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 0001751985 |
|---|---|
| Date | Jan 19, 2017 |
| Instrument | 1751985 |
| Name | ALIGN CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| 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 | $7,855.00 (+2.08%) | $716,700 (+6.08%) Land $448,500 Building $263,200 | $728,349 (+9.82%) |
| 2025 | $7,695.00 (+3.03%) | $675,600 (+6.01%) Land $422,600 Building $253,000 | $663,195 (+3.51%) |
| 2024 | $7,469.00 (-2.3%) | $637,300 (+4.96%) Land $398,500 Building $238,800 | $640,680 |
| 2023 | $7,645.00 | $607,200 Land $379,500 Building $227,700 |
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 | 3 in force |
| Nearby Flood Claims | 2 (1982–1996) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 1996 · Extreme Weather Conditons 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 245 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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