20 Cedar St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 20 Cedar St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,616 sqft · built 1969
Lot Size	1.33 acres (58,240 sqft)
Owner	2 Individual Names on Record
Last Sale	$987,500 (Oct 2022)
Tax Bill	$15,207 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:40-P:017`

Property Details

APN / Parcel Number

Primary APN	`M:40-P:017`
Alternative APN	`NREA M:040.0 B:0000 L:0017.0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,616 sqft Living Area
Gross Area	1,732 sqft
1st Floor Area	884 sqft
Basement Area	1,404 sqft
Unfinished Basement	520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	58,240 sqft (1.33 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	20 CEDAR ST
City	NORTH READING
State	MA
Zip	01864-2702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	17.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1019
Census Tract	330201

Owner

Source: Middlesex County and North 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 CEDAR ST, NORTH READING, MA 01864-2702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · Line of Credit TREMONT CREDIT UNION
Oct 27, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EASTERN BANK
Sep 8, 2017	Deed of Trust, Mortgage · ARM READING COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2022 · Amount on Record
Deed Sale	Oct 27, 2022 · Amount on Record
Prior Sale	Sep 9, 2016 · Amount on Record
Deed Document Number	2022159994
Deed Book / Page	80876 / 417
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Recording Date	Aug 31, 2026
Property Address	20 CEDAR ST, NORTH READING, MA 01864-2702
Document Number	0000109939
Book / Page	86078 / 141
Instrument Date	Aug 24, 2026
Instrument	2026109939
Transaction Type	Mortgage
Record Updated	Sep 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CEDAR ST, NORTH READING, MA 01864-2702

Mortgage

Document Number	0000109939,
Date	Aug 31, 2026
Book Page	86078/141
Instrument	2026109939

Lender

Name	TREMONT CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Oct 27, 2022
Property Address	20 CEDAR ST, NORTH READING, MA 01864-2702
Document Number	080876-417
Book / Page	80876 / 417
Instrument Date	Oct 27, 2022
Instrument	159994
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20 CEDAR ST, NORTH READING, MA 01864-2702

Mortgage

Document Number	0000159995
Date	Oct 27, 2022
Instrument	159995

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	20 CEDAR ST, NORTH READING, MA 01864-2702
Transaction Type	Mortgage
Record Updated	Jun 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69901-342
Date	Sep 8, 2017
Book Page	69901/342
Instrument	145582

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

Tax Assessment & Valuation

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	$15,207.00 (+4.27%)	$1,168,000 (+4.59%) Land $494,800 Building $673,200	$1,163,299
2025	$14,584.00 (+2.71%)	$1,116,700 (+3.89%) Land $458,400 Building $658,300
2024	$14,199.00 (+16.6%)	$1,074,900 (+23.48%) Land $416,600 Building $658,300
2023	$12,178.00	$870,500 Land $379,200 Building $491,300

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

Flood

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	8 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

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 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cedar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures