Middlesex County and Reading Town property record for 20 Irving St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,176 sqft · built 1954 |
| Lot Size | 0.251 acres (10,951 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $699,000 (Sep 2020) |
| Tax Bill | $10,040 (2026) |
| Deeds & Mortgages | Dec 2022 Line of Credit Sep 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:040.0-0000-0024.0 |
| Primary APN | READ M:040.0-0000-0024.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,176 sqft Living Area |
| Gross Area | 4,380 sqft |
| Basement Area | 1,184 sqft |
| Unfinished Basement | 1,184 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,951 sqft (0.251 acres) |
| Garage Type | Attached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1590000000240 |
|---|---|
| Street Address | 20 IRVING ST |
| City | READING |
| State | MA |
| Zip | 01867-1344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 334300 |
Source: Middlesex County and Reading Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 20 IRVING ST, READING, MA 01867-1344 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 14, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Sep 3, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage RESIDENTIAL MORTGAGE SERVICES |
| Jun 8, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Oct 5, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2020 · Amount on Record |
| Deed Sale | Sep 3, 2020 · Amount on Record |
| Prior Sale | Jun 26, 1970 · Amount on Record |
| Deed Document Number | 2020154551 |
| Deed Book / Page | 75539 / 181 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 20 IRVING ST, READING, MA 01867-1344 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 081057-267 |
|---|---|
| Date | Dec 14, 2022 |
| Book Page | 81057/267 |
| Instrument | 181721 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Sep 3, 2020 |
| Property Address | 20 IRVING ST, READING, MA 01867-1344 |
| Document Number | 75539-181 |
| Book / Page | 75539 / 181 |
| Instrument Date | Sep 3, 2020 |
| Instrument | 154551 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| 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 | Tenants by the Entirety |
| Address | 20 IRVING ST, READING, MA 01867-1344 |
| Document Number | 154552 |
|---|---|
| Date | Sep 3, 2020 |
| Instrument | 154552 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jun 8, 2020 |
| Property Address | 20 IRVING ST, READING, MA 01867-1344 |
| Document Number | 74842-79 |
| Book / Page | 074842 / 000079 |
| Instrument Date | Jun 1, 2020 |
| Instrument | 88326 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 SCHOOL ST SALEM NH 030792711, SALEM, NH 03079-2711 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Oct 5, 2017 |
| Property Address | 20 IRVING ST, READING, MA 01867-1344 |
| Document Number | 70037-190 |
| Book / Page | 070037 / 000190 |
| Instrument Date | Aug 29, 2017 |
| Instrument | 1518 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 20 IRVING ST READING MA 018671344, READING, MA 01867-1344 |
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 | $10,040.00 (+1.52%) | $916,100 (+5.51%) Land $512,300 Building $403,300 | $988,400 (+9.01%) |
| 2025 | $9,890.00 (+1.17%) | $868,300 (+4.1%) Land $485,500 Building $382,800 | $906,680 (+2.07%) |
| 2024 | $9,776.00 (+3.24%) | $834,100 (+10.9%) Land $466,400 Building $367,700 | $888,250 |
| 2023 | $9,469.00 | $752,100 Land $420,500 Building $331,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Claims | 2 (1982–2010) |
| Claims Outside the SFHA | 1 of 2 |
| 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.
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 315 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 |
| AT&T Fixed Wireless | 100 / 20 |
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