Middlesex County and Reading Town property record for 20 Emerson St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,542 sqft · built 1959 |
| Lot Size | 0.558 acres (24,293 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,500 (Dec 2009) |
| Tax Bill | $8,894 (2026) |
| Deeds & Mortgages | Jun 2022 Mortgage Oct 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:051.0-0000-0021.0 |
| Primary APN | READ M:051.0-0000-0021.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,542 sqft Living Area |
| Gross Area | 3,255 sqft |
| Basement Area | 988 sqft |
| Unfinished Basement | 741 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Split Level |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 24,293 sqft (0.558 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 2070000000140 |
|---|---|
| Street Address | 20 EMERSON ST |
| City | READING |
| State | MA |
| Zip | 01867-1022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S20 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 334300 |
20 Emerson St is owned and occupied by two individuals who bought it in December 2009.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 EMERSON ST, READING, MA 01867-1022 |
| 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 |
|---|---|
| Jun 22, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK |
| Oct 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE |
| Feb 18, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Jun 14, 2019 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Apr 3, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 7, 2009 · Amount on File |
| Deed Sale | Dec 7, 2009 · Amount on File |
| Prior Sale | Jul 14, 2000 · Amount on File |
| Deed Document Number | 2009234735 |
| Deed Book / Page | 53958 / 368 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 20 EMERSON ST, READING, MA 01867-1022 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 080315-234 |
|---|---|
| Date | Jun 22, 2022 |
| Book Page | 80315/234 |
| Instrument | 94099 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 20 EMERSON ST, READING, MA 01867-1022 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78976-240 |
|---|---|
| Date | Oct 22, 2021 |
| Book Page | 78976/240 |
| Instrument | 232523 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 20 EMERSON ST, READING, MA 01867-1022 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74146-156 |
|---|---|
| Date | Feb 18, 2020 |
| Book Page | 74146/156 |
| Instrument | 24056 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 20 EMERSON ST, READING, MA 01867-1022 |
| Document Number | 72793-276 |
| Instrument Date | Jun 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 20 EMERSON ST READING MA 018671022, READING, MA 01867-1022 |
| Document Number | 72793-276 |
|---|---|
| Date | Jun 20, 2019 |
| Book Page | 072793/000276 |
| Instrument | 84899 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 19, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 20 EMERSON ST, READING, MA 01867-1022 |
| Document Number | 69148-325 |
| Instrument Date | Apr 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2018 |
| Name | Verified Name |
|---|
| Document Number | 69148-325 |
|---|---|
| Date | Apr 18, 2017 |
| Book Page | 069148/000325 |
| Instrument | 55449 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 17, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 20 Emerson St was $8,894, up 1.5% 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 | $8,894.00 (+1.52%) | $811,500 (+5.5%) Land $537,100 Building $274,000 | $811,419 (-7.71%) |
| 2025 | $8,761.00 (+1.17%) | $769,200 (+4.1%) Land $509,100 Building $260,100 | $879,225 (-9.99%) |
| 2024 | $8,660.00 (+3.23%) | $738,900 (+10.9%) Land $489,000 Building $249,900 | $976,790 |
| 2023 | $8,389.00 | $666,300 Land $440,900 Building $225,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Emerson St in Zone X, an area of minimal flood risk.
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 | 1 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 risk around 20 Emerson St is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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 200 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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