20 Ter Park, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 20 Ter Park, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,218 sqft · built 1980
Lot Size	0.597 acres (26,010 sqft)
Owner	2 Individual Names on File
Last Sale	$760,000 (Jul 2019)
Tax Bill	$11,051 (2026)
Deeds & Mortgages	Dec 2019 Mortgage May 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:051.0-0000-0071.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:051.0-0000-0071.0`
Alternative APNs	`M:051.0=0000=0071.0` `2080000000580` `2080000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,218 sqft Living Area
Gross Area	3,376 sqft
Basement Area	1,008 sqft
Unfinished Basement	806 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Contemporary
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,010 sqft (0.597 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2080000000580
Street Address	20 TERRACE PARK
City	READING
State	MA
Zip	01867-1046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	3
Census Block	3006
Census Tract	334300

Owner

20 Ter Park is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	20 TERRACE PARK, READING, MA 01867-1046
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Dec 20, 2019	Deed of Trust, Mortgage · ARM BANK OF AMERICA NA
May 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SUPERIOR FUNDING CORP
Jul 30, 2019	Quit Claim Deed, Transfer · Conventional with PMI SIERRA PACIFIC MTG
Oct 5, 2018	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2019 · Amount on File
Deed Sale	Jul 30, 2019 · Amount on File
Prior Sale	Oct 5, 2018 · Amount on File
Deed Document Number	20191819220
Prior Transfer Date	Jul 29, 2019
Prior Transfer Doc	0001819220
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	20 TERRACE PARK, READING, MA 01867-1046
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001832099
Date	Dec 20, 2019
Instrument	1832099

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Dec 1, 2029

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	20 TERRACE PARK, READING, MA 01867-1046
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001880681
Date	May 21, 2021
Instrument	1880681

Lender

Name	SUPERIOR FUNDING CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jul 30, 2019
Property Address	20 TERRACE PARK, READING, MA 01867-1046
Document Number	0000019220
Instrument Date	Jul 29, 2019
Instrument	19220
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,465.60
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20 TERRACE PARK READING MA 018671046, READING, MA 01867-1046

Mortgage

Document Number	19221
Date	Jul 30, 2019
Instrument	19221

Lender

Name	SIERRA PACIFIC MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2049

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Oct 5, 2018
Property Address	20 TERRACE PARK, READING, MA 01867-1046
Document Number	0000098982
Instrument Date	Sep 24, 2018
Instrument	98982
Transaction Type	Transfer
Record Updated	Oct 23, 2018

Transaction

Amount	Amount on Record
Tax	$2,074.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 TERRACE PARK READING MA 018671046, READING, MA 01867-1046

Tax Assessment & Valuation

The 2026 property tax bill for 20 Ter Park was $11,051, up 0.9% 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	$11,051.00 (+0.92%)	$1,008,300 (+4.88%) Land $618,500 Building $389,100	$982,072 (-4.25%)
2025	$10,950.00 (-1.21%)	$961,400 (+1.66%) Land $589,700 Building $371,700	$1,025,620 (-3.29%)
2024	$11,084.00 (+6.25%)	$945,700 (+14.13%) Land $580,100 Building $365,600	$1,060,485
2023	$10,432.00	$828,600 Land $508,200 Building $320,400

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

Flood

FEMA maps place 20 Ter Park in Zone X, an area of minimal flood risk.

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

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 Ter Park is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 200 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

Cell Coverage

5G and 4G LTE (outdoors only)

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