20 Flint St, North Reading, MA 01864 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,394 sqft · built 1960
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$448,000 (Aug 2005)
Tax Bill	$9,580 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:55-P:003`

Property Details

APN / Parcel Number

Primary APN	`M:55-P:003`
Alternative APN	`NREA M:055.0 B:0000 L:0003.0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,394 sqft Living Area
Gross Area	1,728 sqft
1st Floor Area	1,728 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	20 FLINT ST
City	NORTH READING
State	MA
Zip	01864-2806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	3.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1014
Census Tract	330102

Owner

20 Flint St is owned and occupied by two individuals who bought it in August 2005.

Source: Middlesex County and North Reading Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 FLINT ST, NORTH READING, MA 01864-2806
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2020	Deed of Trust, Mortgage · Conventional with PMI WINTER HILL FED'L SVGS BK
Apr 14, 2017	Deed of Trust, Mortgage · Conventional with PMI WINTER HILL FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2005 · Amount on File
Deed Sale	Aug 23, 2005 · Amount on File
Deed Book / Page	45926 / 494
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	20 FLINT ST, NORTH READING, MA 01864-2806
Document Number	74383-186
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 FLINT ST NORTH READING MA 018642806, NORTH READING, MA 01864-2806

Mortgage

Document Number	74383-186
Date	Mar 31, 2020
Book Page	074383/000186
Instrument	47570

Lender

Name	WINTER HILL FED'L SVGS BK

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 30, 2050

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	20 FLINT ST, NORTH READING, MA 01864-2806
Document Number	69157-553
Book / Page	069157 / 000553
Instrument Date	Apr 14, 2017
Transaction Type	Mortgage
Record Updated	May 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69157-553
Date	Apr 19, 2017
Book Page	069157/000553
Instrument	56439

Lender

Name	WINTER HILL FSB
Type	Federal Savings Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 18, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%

Tax Assessment & Valuation

The 2026 property tax bill for 20 Flint St was $9,580, up 6.7% from the year before.

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	$9,580.00 (+6.69%)	$735,800 (+7.03%) Land $452,200 Building $283,600	$865,253
2025	$8,979.00 (+7.49%)	$687,500 (+8.73%) Land $418,600 Building $268,900
2024	$8,353.00 (-3.66%)	$632,300 (+2.03%) Land $387,700 Building $244,600
2023	$8,670.00	$619,700 Land $375,100 Building $244,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20 Flint St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2001.

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 File 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

Wildfire risk around 20 Flint 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	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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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