20 Melbourne Ave, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 20 Melbourne Ave, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,205 sqft · built 1964
Lot Size	0.262 acres (11,417 sqft)
Owner	2 Individual Names on Record
Last Sale	$750,000 (Aug 2019)
Tax Bill	$10,987 (2026)
Deeds & Mortgages	Jun 2021 Refinance Oct 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:011.0-0000-0161.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:011.0-0000-0161.0`
Alternative APNs	`M:011.0=0000=0161.0` `340000000290` `340000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,205 sqft Living Area
Gross Area	3,789 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1980
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	11,417 sqft (0.262 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	340000000290
Street Address	20 MELBOURNE AVE
City	READING
State	MA
Zip	01867-3424
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	1025
Census Tract	334100

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 Individual Names on Record
Mailing Address	20 MELBOURNE AVE, READING, MA 01867-3424
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Oct 15, 2021	Deed of Trust, Mortgage · Line of Credit LEADER BANK NA
Apr 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 20, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2019 · Amount on Record
Deed Sale	Aug 20, 2019 · Amount on Record
Prior Sale	Feb 13, 1973 · Amount on Record
Deed Document Number	2019124274
Deed Book / Page	73143 / 163
Prior Transfer Date	Aug 16, 2019
Prior Transfer Doc	73143-163
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	20 MELBOURNE AVE, READING, MA 01867-3424
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078019-158
Date	Jun 15, 2021
Book Page	78019/158
Instrument	135138

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	20 MELBOURNE AVE, READING, MA 01867-3424
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78919-485
Date	Oct 15, 2021
Book Page	78919/485
Instrument	226914

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	20 MELBOURNE AVE, READING, MA 01867-3424
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74510-401
Date	Apr 21, 2020
Book Page	74510/401
Instrument	58664

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2040

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 20, 2019
Property Address	20 MELBOURNE AVE, READING, MA 01867-3424
Document Number	73143-163
Book / Page	73143 / 163
Instrument Date	Aug 16, 2019
Instrument	124274
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 MELBOURNE AVE, READING, MA 01867-3424

Mortgage

Document Number	124275
Date	Aug 20, 2019
Instrument	124275

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$10,987.00 (+1.47%)	$1,002,500 (+5.45%) Land $514,100 Building $478,700	$1,133,045 (+12.17%)
2025	$10,828.00 (+1.13%)	$950,700 (+4.06%) Land $487,300 Building $463,400	$1,010,135 (+4.28%)
2024	$10,707.00 (+3.11%)	$913,600 (+10.77%) Land $468,100 Building $445,500	$968,715
2023	$10,384.00	$824,800 Land $422,100 Building $402,700

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	2 in force
Nearby Flood Claims	3 (1979–1998)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 1998 · Heavy Rains 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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