20 Richards Rd, Reading, MA 01867 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,301 sqft · built 1954
Lot Size	0.344 acres (15,002 sqft)
Owner	2 Company Names on Record
Tax Bill	$8,560 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Jun 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`READ M:035.0-0000-0034.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:035.0-0000-0034.0`
Alternative APNs	`M:035.0=0000=0034.0` `1450000000940` `1450000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,301 sqft Living Area
Gross Area	2,204 sqft
Basement Area	924 sqft
Unfinished Basement	675 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,002 sqft (0.344 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1450000000940
Street Address	20 RICHARDS RD
City	READING
State	MA
Zip	01867-1838
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	1
Census Block	1008
Census Tract	334400

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 RICHARDS RD, READING, MA 01867-1838
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage READING COOPERATIVE BANK
Jun 7, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 24, 2022
Transfer Doc	080240-273
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	20 RICHARDS RD, READING, MA 01867-1838
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0085049-95
Date	Dec 23, 2025
Book Page	85049/95
Instrument	158146

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Jan 1, 2031

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jun 7, 2022
Property Address	20 RICHARDS RD, READING, MA 01867-1838
Document Number	080240-273
Book / Page	80240 / 273
Instrument Date	May 24, 2022
Instrument	85403
Transaction Type	Transfer
Record Updated	Jun 24, 2022

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 RICHARDS RD, READING, MA 01867-1838

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	$8,560.00 (+1.52%)	$781,000 (+5.5%) Land $528,400 Building $250,200	$679,485 (-19.23%)
2025	$8,432.00 (+1.15%)	$740,300 (+4.08%) Land $500,800 Building $239,500	$841,225 (-17.51%)
2024	$8,336.00 (+3.19%)	$711,300 (+10.86%) Land $481,100 Building $230,200	$1,019,730
2023	$8,078.00	$641,600 Land $433,800 Building $207,800

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

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	Direct burnable vegetation

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 211 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
AT&T Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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