Middlesex County and Reading Town property record for 20 Franklin St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,812 sqft · built 1994 |
| Lot Size | 1.21 acres (52,882 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $14,816 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Apr 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:052.0-0000-0042.0 |
| Primary APN | READ M:052.0-0000-0042.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,812 sqft Living Area |
| Gross Area | 9,134 sqft |
| Basement Area | 2,898 sqft |
| Unfinished Basement | 2,898 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 52,882 sqft (1.21 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 2130000000220 |
|---|---|
| Street Address | 20 FRANKLIN ST |
| City | READING |
| State | MA |
| Zip | 01867-1117 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S20 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 334300 |
Source: Middlesex County and Reading Town records · APN READ M:052.0-0000-0042.0
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 20 FRANKLIN ST, READING, MA 01867-1117 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Sep 09, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND |
| Apr 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC |
| Feb 12, 2024 | Quit Claim Deed, Transfer · Stand-Alone Refinance NEW FED MORTGAGE CORP |
| Apr 13, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC |
| Sep 20, 2018 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 31, 2016 |
| Deed Sale | Oct 31, 2016 |
| Prior Sale | Oct 31, 2013 · Amount on Record |
| Deed Book / Page | 68320 / 162 |
| Last Transfer Date | Feb 06, 2024 |
| Transfer Doc | 00082476-1 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 20 FRANKLIN ST, READING, MA 01867-1117 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 080689-308 |
|---|---|
| Date | Sep 09, 2022 |
| Book Page | 80689/308 |
| Instrument | 137725 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 01, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 20 FRANKLIN ST, READING, MA 01867-1117 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 077501-116 |
|---|---|
| Date | Apr 13, 2021 |
| Book Page | 77501/116 |
| Instrument | 83188 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Feb 12, 2024 |
| Property Address | 20 FRANKLIN ST, READING, MA 01867-1117 |
| Document Number | 00082476-1 |
| Book / Page | 82476 / 1 |
| Instrument Date | Feb 06, 2024 |
| Instrument | 14241 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 FRANKLIN ST, READING, MA 01867-1117 |
| Document Number | 0000014242 |
|---|---|
| Date | Feb 12, 2024 |
| Instrument | 14242 |
| Name | NEW FED MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Apr 13, 2021 |
| Property Address | 20 FRANKLIN ST, READING, MA 01867-1117 |
| Document Number | 077501-114 |
| Book / Page | 77501 / 114 |
| Instrument Date | Apr 08, 2021 |
| Instrument | 83187 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 077501-116 |
|---|---|
| Date | Apr 13, 2021 |
| Book Page | 77501/116 |
| Instrument | 83188 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 20 FRANKLIN ST, READING, MA 01867-1117 |
| Document Number | 71720-106 |
| Instrument Date | Sep 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 20 FRANKLIN ST READING MA 018671117, READING, MA 01867-1117 |
| Document Number | 71720-106 |
|---|---|
| Date | Oct 09, 2018 |
| Book Page | 071720/000106 |
| Instrument | 155058 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $14,816.00 (+0.22%) | $1,300,800 (+3.12%) Land $548,900 Building $751,900 | $1,449,605 (+15.76%) |
| 2024 | $14,784.00 (+6.87%) | $1,261,400 (+14.8%) Land $532,300 Building $729,100 | $1,252,290 |
| 2023 | $13,834.00 | $1,098,800 Land $463,700 Building $635,100 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1982–2010) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
Based on FCC filings for 203 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | READING WATER DEPARTMENT (MWRA) serves 26,262 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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