20 Equestrian Dr, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 20 Equestrian Dr, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,787 sqft · built 1996
Lot Size	4.06 acres (176,854 sqft)
Owner	2 Individual Names on Record
Last Sale	$357,000 (Dec 1995)
Tax Bill	$18,000 (2026)
Deeds & Mortgages	Nov 2022 Refinance Dec 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:65-P:026`

Property Details

APN / Parcel Number

Primary APN	`M:65-P:026`
Alternative APN	`NREA M:065.0 B:0000 L:0026.0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	3,787 sqft Living Area
Gross Area	1,388 sqft
1st Floor Area	1,314 sqft
Basement Area	1,296 sqft
Unfinished Basement	1,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Lot Area	176,854 sqft (4.06 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	20 EQUESTRIAN DR
City	NORTH READING
State	MA
Zip	01864-1500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RD
Legal Lot Number	26.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	2
Census Block	2000
Census Tract	330101

Owner

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 Record
Mailing Address	20 EQUESTRIAN DR, NORTH READING, MA 01864-1500
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Dec 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTY HOME MORTGAGE
Jun 13, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 1995 · Amount on Record
Deed Sale	Dec 15, 1995 · Amount on Record
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	20 EQUESTRIAN DR, NORTH READING, MA 01864-1500
Transaction Type	Mortgage
Record Updated	Dec 2, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080950-195
Date	Nov 16, 2022
Book Page	80950/195
Instrument	168755

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	20 EQUESTRIAN DR, NORTH READING, MA 01864-1500
Transaction Type	Mortgage
Record Updated	Jan 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079399-137
Date	Dec 21, 2021
Book Page	79399/137
Instrument	275026

Lender

Name	GUARANTY HOME MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	20 EQUESTRIAN DR, NORTH READING, MA 01864-1500
Document Number	72825-131
Instrument Date	Jun 13, 2019
Transaction Type	Mortgage
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 EQUESTRIAN DR NORTH READING MA 018641500, NORTH READING, MA 01864-1500

Mortgage

Document Number	72825-131
Date	Jun 26, 2019
Book Page	072825/000131
Instrument	88568

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2049

Interest

Rate Type	Adjustable Rate

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	$18,000.00 (+3.22%)	$1,382,500 (+3.53%) Land $580,100 Building $802,400	$1,575,648
2025	$17,439.00 (+2.84%)	$1,335,300 (+4.02%) Land $550,700 Building $784,600
2024	$16,958.00 (+4.94%)	$1,283,700 (+11.13%) Land $499,100 Building $784,600
2023	$16,160.00	$1,155,100 Land $486,000 Building $669,100

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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	0.02% 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 64 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

Cell Coverage

5G (outdoors only) and 4G LTE

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