Middlesex County and Reading Town property record for 20 Pratt St, Reading, MA 01867
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2.5 ba · 3,534 sqft · built 1892 |
| Lot Size | 0.531 acres (23,152 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,050,000 (Jul 2020) |
| Tax Bill | $14,435 (2025) |
| Deeds & Mortgages | Aug 2021 Refinance Jul 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:016.0-0000-0141.0 |
| Primary APN | READ M:016.0-0000-0141.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 3,534 sqft Living Area |
| Gross Area | 6,042 sqft |
| Basement Area | 1,412 sqft |
| Unfinished Basement | 1,412 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1892 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Duplex Single |
| Exterior Material | Asbestos |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 23,152 sqft (0.531 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 500000000310 |
|---|---|
| Street Address | 20 PRATT ST |
| City | READING |
| State | MA |
| Zip | 01867-3429 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 334200 |
Source: Middlesex County and Reading Town records, as of April 14, 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 PRATT ST, READING, MA 01867-3429 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 2, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Jul 16, 2020 | Quit Claim Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 2020 · Amount on Record |
| Deed Sale | Jul 16, 2020 · Amount on Record |
| Prior Sale | Jan 10, 1980 · Amount on Record |
| Deed Document Number | 2020115806 |
| Deed Book / Page | 75139 / 355 |
| Transfer Doc | 63444-113 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 20 PRATT ST, READING, MA 01867-3429 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78377-324 |
|---|---|
| Date | Aug 2, 2021 |
| Book Page | 78377/324 |
| Instrument | 172605 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jul 16, 2020 |
| Property Address | 20 PRATT ST, READING, MA 01867-3429 |
| Document Number | 75139-355 |
| Book / Page | 75139 / 355 |
| Instrument Date | Jul 9, 2020 |
| Instrument | 115806 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 20 PRATT ST, READING, MA 01867-3429 |
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 |
|---|---|---|
| 2025 | $14,435.00 (+3%) | $1,267,300 (+5.98%) Land $623,200 Building $644,100 |
| 2024 | $14,015.00 (+0.43%) | $1,195,800 (+7.89%) Land $587,600 Building $608,200 |
| 2023 | $13,955.00 | $1,108,400 Land $544,100 Building $564,300 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 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 |
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