20 Prospect St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 20 Prospect St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,696 sqft · built 1920
Lot Size	0.238 acres (10,376 sqft)
Owner	2 Individual Names on File
Last Sale	$1,100,000 (May 2026)
Tax Bill	$10,872 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:015.0-0000-0171.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:015.0-0000-0171.0`
Alternative APNs	`M:015.0=0000=0171.0` `490000000340` `490000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,696 sqft Living Area
Gross Area	3,092 sqft
Basement Area	893 sqft
Unfinished Basement	893 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1995
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,376 sqft (0.238 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	490000000340
Street Address	20 PROSPECT ST
City	READING
State	MA
Zip	01867-2821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	4
Census Block	4016
Census Tract	334200

Owner

20 Prospect St is owned and occupied by two individuals who bought it in May 2026.

Source: Middlesex County and Reading Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 PROSPECT ST, READING, MA 01867-2821
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2026 · Amount on File
Deed Sale	May 18, 2026 · Amount on File
Prior Sale	May 5, 2006 · Amount on File
Deed Document Number	202656609
Deed Book / Page	85607 / 32
Prior Transfer Date	May 12, 2026
Prior Transfer Doc	0085607-32
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	May 18, 2026
Property Address	20 PROSPECT ST, READING, MA 01867-2821
Document Number	0085607-32
Book / Page	85607 / 32
Instrument Date	May 12, 2026
Instrument	202656609
Transaction Type	Transfer
Record Updated	Jun 9, 2026

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	20 PROSPECT ST, READING, MA 01867-2821

Mortgage

Date	May 18, 2026

Lender

Name	HOME FEDERAL MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.46%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 20 Prospect St was $10,872, up 1.5% from the year before.

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	$10,872.00 (+1.5%)	$992,000 (+5.49%) Land $598,200 Building $384,200	$921,814 (-4.97%)
2025	$10,711.00 (+3.01%)	$940,400 (+6%) Land $566,800 Building $373,600	$970,045 (+7.29%)
2024	$10,398.00 (+0.45%)	$887,200 (+7.91%) Land $534,400 Building $352,800	$904,115
2023	$10,351.00	$822,200 Land $494,800 Building $327,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20 Prospect St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.

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	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2001 · 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.

Wildfire

Wildfire risk around 20 Prospect St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 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 418 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20