20 Chestnut St, North Reading, MA 01864 Property Records

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

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,348 sqft · built 2020
Lot Size	0.79 acres (34,412 sqft)
Owner	Individual Name on Record
Last Sale	$1,435,000 (May 2025)
Tax Bill	$16,810 (2026)
Deeds & Mortgages	Apr 2025 Mortgage May 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:60-P:006`

Property Details

APN / Parcel Number

Primary APN	`M:60-P:006`
Alternative APN	`NREA M:060.0 B:0000 L:0006.0`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Total Rooms	11 Rooms
Stories	3 Stories
Building Area	3,348 sqft Living Area
Gross Area	1,464 sqft
1st Floor Area	1,232 sqft
Basement Area	1,436 sqft
Unfinished Basement	136 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	34,412 sqft (0.79 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	20 CHESTNUT ST
City	NORTH READING
State	MA
Zip	01864-2821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	6.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1016
Census Tract	330102

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	Individual Name on Record
Mailing Address	20 CHESTNUT ST, NORTH READING, MA 01864-2821
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2025	Deed of Trust, Mortgage SALEM FIVE CENTS SAVINGS BANK
May 15, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Feb 10, 2023	Quit Claim Deed, Transfer Quitclaim
Oct 30, 2020	Quit Claim Deed, Transfer DIRECT FCU
Aug 28, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2025 · Amount on Record
Deed Sale	May 15, 2025 · Amount on Record
Prior Sale	Oct 30, 2020 · Amount on Record
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	20 CHESTNUT ST, NORTH READING, MA 01864-2821
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001975810
Date	Apr 29, 2025
Instrument	1975810

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	May 15, 2025
Property Address	20 CHESTNUT ST, NORTH READING, MA 01864-2821
Document Number	0001976976
Instrument Date	May 15, 2025
Instrument	1976976
Transaction Type	Transfer
Record Updated	Nov 19, 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
Address	20 CHESTNUT ST, NORTH READING, MA 01864-2821

Mortgage

Document Number	0001976977
Date	May 15, 2025
Instrument	1976977

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Feb 10, 2023
Property Address	20 CHESTNUT ST, NORTH READING, MA 01864-2821
Document Number	0001932088
Instrument Date	Jan 3, 2023
Instrument	1932088
Transaction Type	Transfer
Record Updated	Feb 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CHESTNUT ST, NORTH READING, MA 01864-2821

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Oct 30, 2020
Property Address	20 CHESTNUT ST, NORTH READING, MA 01864-2821
Document Number	0001858871
Instrument Date	Oct 28, 2020
Instrument	1858871
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,107.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CHESTNUT ST NORTH READING MA 018642821, NORTH READING, MA 01864-2821

Mortgage

Document Number	1858872
Date	Oct 30, 2020
Instrument	1858872

Lender

Name	DIRECT FCU

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.88%

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Aug 28, 2019
Property Address	20 CHESTNUT ST, NORTH READING, MA 01864-2821
Document Number	0000022032
Instrument Date	Aug 23, 2019
Instrument	22032
Transaction Type	Transfer
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,509.36
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10 BRIDLE SPUR LN DANVERS MA 019231262, DANVERS, MA 01923-1262

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	$16,810.00 (+3%)	$1,291,100 (+3.32%) Land $411,900 Building $879,200	$1,468,348
2025	$16,320.00 (+0.68%)	$1,249,600 (+1.84%) Land $396,200 Building $853,400
2024	$16,209.00 (+4.76%)	$1,227,000 (+10.95%) Land $373,600 Building $853,400
2023	$15,472.00	$1,105,900 Land $343,100 Building $762,800

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	7 (2001–2010)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Flooding, May 2006 · 5 claims

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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