Middlesex County and Reading Town property record for 208 Charles St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,486 sqft · built 1946 |
| Lot Size | 0.402 acres (17,498 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $533,000 (May 2013) |
| Tax Bill | $10,461 (2026) |
| Deeds & Mortgages | Jan 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:034.0-0000-0183.0 |
| Primary APN | READ M:034.0-0000-0183.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,486 sqft Living Area |
| Gross Area | 4,590 sqft |
| Basement Area | 1,626 sqft |
| Unfinished Basement | 1,626 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,498 sqft (0.402 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1440000000300 |
|---|---|
| Street Address | 208 CHARLES ST |
| City | READING |
| State | MA |
| Zip | 01867-1828 |
| 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 | 1004 |
| Census Tract | 334400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 208 CHARLES ST, READING, MA 01867-1828 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 15, 2013 · Amount on Record |
| Deed Sale | May 15, 2013 · Amount on Record |
| Prior Sale | Jul 29, 1997 · Amount on Record |
| Deed Book / Page | 61803 / 595 |
| Transfer Doc | 66538-541 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 208 CHARLES ST, READING, MA 01867-1828 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 079507-347 |
|---|---|
| Date | Jan 10, 2022 |
| Book Page | 79507/347 |
| Instrument | 4797 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,461.00 (+3.51%) | $954,500 (+7.57%) Land $518,600 Building $435,900 | $1,054,907 (-13.37%) |
| 2025 | $10,106.00 (+0.22%) | $887,300 (+3.13%) Land $482,100 Building $405,200 | $1,217,710 (+20.86%) |
| 2024 | $10,084.00 (+6.87%) | $860,400 (+14.8%) Land $467,500 Building $392,900 | $1,007,570 |
| 2023 | $9,436.00 | $749,500 Land $407,200 Building $342,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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