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20 Willow St, Reading, MA 01867 Property Records

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

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,248 sqft · built 1930
Lot Size0.23 acres (10,001 sqft)
Owner2 Individual Names on File
Last Sale$520,000 (Aug 2018)
Tax Bill$7,471 (2025)
Deeds & MortgagesMar 2020 Refinance
Aug 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNREAD M:026.0-0000-0040.0

Property Details

APN / Parcel Number

Primary APNREAD M:026.0-0000-0040.0
Alternative APNs
  • M:026.0=0000=0040.0
  • 990000000090
  • 990000000

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area1,248 sqft Living Area
Gross Area2,548 sqft
Basement Area832 sqft
Unfinished Basement832 sqft

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1980
Architectural StyleCape Cod
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area10,001 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas

Location & Zoning

Account Number990000000090
Street Address20 WILLOW ST
CityREADING
StateMA
Zip01867-1548
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeS15
JurisdictionREADING MA
Township / Civil DivisionREADING
Census Block Group1
Census Block1004
Census Tract334200

Owner

Source: Middlesex County and Reading Town records · APN READ M:026.0-0000-0040.0

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 Record2 Individual Names on File
Mailing Address20 WILLOW ST, READING, MA 01867-1548
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Mar 24, 2020Deed of Trust, Mortgage · Stand-Alone Refinance
RESIDENTIAL MORTGAGE SERVICES
Aug 21, 2018Quit Claim Deed, Transfer
RESIDENTIAL MTG SVCS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 21, 2018 · Amount on Record
Deed SaleAug 21, 2018 · Amount on Record
Prior SaleSep 06, 2012 · Amount on Record
Deed Book / Page71502 / 227
Record UpdatedSep 20, 2026

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionREADING MA
Property Address20 WILLOW ST, READING, MA 01867-1548
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number74341-37
DateMar 24, 2020
Book Page74341/37
Instrument43559
Lender
NameRESIDENTIAL MORTGAGE SERVICES
TypeMortgage Company
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term337 Months
DueApr 01, 2048

August 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionREADING MA
Recording DateAug 21, 2018
Property Address20 WILLOW ST, READING, MA 01867-1548
Document Number71502-227
Book / Page71502 / 227
Instrument127962
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$56.65
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number715020229
DateAug 21, 2018
Instrument71502/0229
Lender
NameRESIDENTIAL MTG SVCS
Agreement
AmountAmount Recorded
Term360 Months
DueAug 21, 2048

Tax Assessment & Valuation

Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
County SubdivisionReading Town
Unified School DistrictReading School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$7,471.00 (+1.18%)$655,900 (+4.11%) Land $395,400 Building $260,500$716,585 (+6.64%)
2024$7,384.00 (+3.24%)$630,000 (+10.9%) Land $379,800 Building $250,200$671,935
2023$7,152.00$568,100 Land $342,500 Building $225,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims1 (2010)
Claims Outside the SFHA1 of 1
Most Recent ClaimMar 2010 · Severe Storms And Flooding

Wildfire

Wildfire RiskLow
lower than 95% of the US · lower than 90% of Massachusetts
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880
T-Mobile USA
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

Based on FCC filings for 368 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemREADING WATER DEPARTMENT (MWRA)
serves 26,262 people
Water SourcePurchased surface water from MWRA
Last State InspectionNov 2023
Lead8 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
not recorded as resolved · Oct 2019
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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