Middlesex County and Reading Town property record for 20 Summer Ave, Reading, MA 01867 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 4,648 sqft · built 2023 |
| Lot Size | 0.407 acres (17,711 sqft) |
| Owner | Individual Name on File |
| Last Sale | $570,000 (Jun 2022) |
| Tax Bill | $13,914 (2025) |
| Deeds & Mortgages | Sep 2023 Mortgage Jun 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:020.0-0000-0212.0 |
| Primary APN | READ M:020.0-0000-0212.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 4,648 sqft Living Area |
| Gross Area | 6,830 sqft |
| 1st Floor Area | 1,128 sqft |
| Basement Area | 1,610 sqft |
| Unfinished Basement | 950 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,711 sqft (0.407 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 810000000110 |
|---|---|
| Street Address | 20 SUMMER AVE |
| City | READING |
| State | MA |
| Zip | 01867-2337 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 334200 |
Source: Middlesex County and Reading Town records · APN READ M:020.0-0000-0212.0
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20 SUMMER AVE, READING, MA 01867-2337 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 27, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) MAIN STREET BANK (MA) |
| Jun 17, 2022 | Quit Claim Deed, Transfer · Conventional Mortgage FALL RIVER FIVE CENTS SAVINGS BANK |
| Mar 07, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORTHMARK BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 17, 2022 · Amount on Record |
| Deed Sale | Jun 17, 2022 · Amount on Record |
| Prior Sale | Mar 07, 2022 · Amount on Record |
| Deed Book / Page | 80297 / 128 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 20 SUMMER AVE, READING, MA 01867-2337 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 082037-227 |
|---|---|
| Date | Sep 27, 2023 |
| Book Page | 82037/227 |
| Instrument | 108902 |
| Name | MAIN STREET BANK (MA) |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 01, 2038 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jun 17, 2022 |
| Property Address | 20 SUMMER AVE, READING, MA 01867-2337 |
| Document Number | 080297-128 |
| Book / Page | 80297 / 128 |
| Instrument Date | Jun 17, 2022 |
| Instrument | 92041 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20 SUMMER AVE, READING, MA 01867-2337 |
| Document Number | 0000092042 |
|---|---|
| Date | Jun 17, 2022 |
| Instrument | 92042 |
| Name | FALL RIVER FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Jul 01, 2029 |
| Max Rate At Change | 2.75% |
| Index | 1-Year CMT |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Mar 07, 2022 |
| Property Address | 20 SUMMER AVE, READING, MA 01867-2337 |
| Document Number | 079783-150 |
| Book / Page | 79783 / 150 |
| Instrument Date | Mar 07, 2022 |
| Instrument | 34649 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12 WICKHAM RD, WINCHESTER, MA 01890-3830 |
| Document Number | 0000034650 |
|---|---|
| Date | Mar 07, 2022 |
| Instrument | 34650 |
| Name | NORTHMARK BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,914.00 (+23.92%) | $1,221,600 (+27.52%) Land $485,500 Building $736,100 | $1,486,085 (+8.71%) |
| 2024 | $11,228.00 (+48.22%) | $958,000 (+59.22%) Land $466,400 Building $491,600 | $1,366,955 |
| 2023 | $7,575.00 | $601,700 Land $420,500 Building $181,200 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173342004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| Nearby Flood Claims | 1 (2001) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2001, rainfall accumulation, Severe Storms And Flooding |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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