Middlesex County and North Reading Town property record for 20 Emerson Rd, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,188 sqft · built 2003 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $686,000 (Jul 2025) |
| Tax Bill | $7,059 (2026) |
| Deeds & Mortgages | Aug 2024 Line of Credit Jul 2025 Sale & Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:13-P:018 |
| Primary APN | M:13-P:018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,188 sqft Living Area |
| Gross Area | 672 sqft |
| 1st Floor Area | 672 sqft |
| Basement Area | 672 sqft |
| Unfinished Basement | 228 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,614 sqft (0.06 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 20 EMERSON RD |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-1209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Lot Number | 18.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 330202 |
20 Emerson Rd is owned and occupied by two individuals who bought it in July 2025.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 EMERSON RD, NORTH READING, MA 01864-1209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Aug 27, 2024 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| Jul 22, 2025 | Quit Claim Deed, Transfer · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2025 · Amount on File |
| Deed Sale | Jul 22, 2025 · Amount on File |
| Prior Sale | Aug 31, 2016 · Amount on File |
| Deed Document Number | 202585528 |
| Deed Book / Page | 84389 / 90 |
| Prior Transfer Date | Jul 21, 2025 |
| Prior Transfer Doc | 0084389-90 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 20 EMERSON RD, NORTH READING, MA 01864-1209 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0083172-86 |
|---|---|
| Date | Aug 27, 2024 |
| Book Page | 83172/86 |
| Instrument | 96526 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Jul 22, 2025 |
| Property Address | 20 EMERSON RD, NORTH READING, MA 01864-1209 |
| Document Number | 0084389-90 |
| Book / Page | 84389 / 90 |
| Instrument Date | Jul 21, 2025 |
| Instrument | 85528 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount on Record |
|---|---|
| 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 | Joint Tenants with Right of Survivorship |
| Address | 20 EMERSON RD, NORTH READING, MA 01864-1209 |
| Document Number | 0000085529 |
|---|---|
| Date | Jul 22, 2025 |
| Instrument | 85529 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2055 |
The 2026 property tax bill for 20 Emerson Rd was $7,059, up 0.7% from the year before.
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 | $7,059.00 (+0.74%) | $542,200 (+1.06%) Land $302,900 Building $239,300 | $592,393 |
| 2025 | $7,007.00 (+1.83%) | $536,500 (+2.99%) Land $270,400 Building $266,100 | |
| 2024 | $6,881.00 (+0.7%) | $520,900 (+6.65%) Land $262,500 Building $258,400 | |
| 2023 | $6,833.00 | $488,400 Land $262,500 Building $225,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Emerson Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 20 policies |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 2 (2006–2010) |
| Most Recent Claim | Mar 2010 · Severe Storms 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 Emerson Rd 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 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 | 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 194 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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