Middlesex County and Reading Town property record for 20 Center Ave, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,611 sqft · built 1963 |
| Lot Size | 0.314 acres (13,673 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $364,000 (Sep 2003) |
| Tax Bill | $8,435 (2026) |
| Deeds & Mortgages | Nov 2021 Refinance Jun 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:016.0-0000-0106.0 |
| Primary APN | READ M:016.0-0000-0106.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,611 sqft Living Area |
| Gross Area | 2,729 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 645 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,673 sqft (0.314 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 420000000200 |
|---|---|
| Street Address | 20 CENTER AVE |
| City | READING |
| State | MA |
| Zip | 01867-3528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 334100 |
20 Center Ave is owned and occupied by two individuals who bought it in September 2003.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 CENTER AVE, READING, MA 01867-3528 |
| 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.
| Date | Document |
|---|---|
| Nov 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA |
| Jun 30, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 2003 · Amount on File |
| Deed Sale | Sep 5, 2003 · Amount on File |
| Prior Sale | Feb 24, 1995 · Amount on File |
| Deed Document Number | 20031471 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 20 CENTER AVE, READING, MA 01867-3528 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 79149-299 |
|---|---|
| Date | Nov 16, 2021 |
| Book Page | 79149/299 |
| Instrument | 249502 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 20 CENTER AVE, READING, MA 01867-3528 |
| Document Number | 69723-398 |
| Book / Page | 069723 / 000398 |
| Instrument Date | Jun 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2017 |
| Name | Verified Name |
|---|
| Document Number | 69723-398 |
|---|---|
| Date | Aug 4, 2017 |
| Book Page | 069723/000398 |
| Instrument | 124381 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 20 Center Ave was $8,435, up 3.9% from the year before.
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 | $8,435.00 (+3.92%) | $769,600 (+8%) Land $497,800 Building $268,000 | $759,495 (+0.84%) |
| 2025 | $8,117.00 (-1.14%) | $712,600 (+1.71%) Land $460,700 Building $251,900 | $753,160 (+6.92%) |
| 2024 | $8,211.00 (-1.23%) | $700,600 (+6.1%) Land $452,900 Building $247,700 | $704,425 |
| 2023 | $8,313.00 | $660,300 Land $426,700 Building $233,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Center Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.
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 | 2 in force |
| Nearby Flood Claims | 3 (1979–1998) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Jun 1998 · Heavy Rains 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.
Wildfire risk around 20 Center Ave is low, with less than 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 95% of the US · lower than 90% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
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 424 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures