20 Lafayette Rd, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 20 Lafayette Rd, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,849 sqft · built 1985
Lot Size	0.428 acres (18,657 sqft)
Owner	2 Company Names on Record
Last Sale	$278,500 (Jun 1997)
Tax Bill	$9,964 (2026)
Deeds & Mortgages	Nov 2025 Transfer Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`READ M:039.0-0000-0153.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:039.0-0000-0153.0`
Alternative APNs	`M:039.0=0000=0153.0` `1580000000230` `1580000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,849 sqft Living Area
Gross Area	3,698 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,053 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,657 sqft (0.428 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1580000000230
Street Address	20 LAFAYETTE RD
City	READING
State	MA
Zip	01867-1201
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	3009
Census Tract	334300

Owner

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 Company Names on Record
Mailing Address	20 LAFAYETTE RD, READING, MA 01867-1201
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Quit Claim Deed, Transfer Quitclaim
Sep 7, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 1997 · Amount on Record
Deed Sale	Jun 23, 1997 · Amount on Record
Prior Sale	Sep 22, 1989 · Amount on Record
Last Transfer Date	Aug 7, 2025
Transfer Doc	0084843-28
Record Updated	Oct 29, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Nov 6, 2025
Property Address	20 LAFAYETTE RD, READING, MA 01867-1201
Document Number	0084843-28
Book / Page	84843 / 28
Instrument Date	Aug 7, 2025
Instrument	135825
Transaction Type	Transfer
Record Updated	Nov 26, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 LAFAYETTE RD, READING, MA 01867-1201

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	20 LAFAYETTE RD, READING, MA 01867-1201
Document Number	73311-1
Instrument Date	Sep 7, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 LAFAYETTE RD READING MA 018671201, READING, MA 01867-1201

Mortgage

Document Number	73311-1
Date	Sep 20, 2019
Book Page	073311/000001
Instrument	143109

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Reading Town
Unified School District	Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,964.00 (+2.12%)	$909,100 (+6.13%) Land $478,900 Building $429,400	$963,557 (+11.85%)
2025	$9,757.00 (+3.06%)	$856,600 (+6.04%) Land $451,200 Building $405,400	$861,460 (+0.52%)
2024	$9,467.00 (-2.25%)	$807,800 (+5%) Land $425,500 Building $382,300	$856,995
2023	$9,685.00	$769,300 Land $405,200 Building $364,100

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
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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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