Middlesex County and Reading Town property record for 21 Franklin St, Reading, MA 01867 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 4,952 sqft · built 2023 |
| Lot Size | 0.388 acres (16,893 sqft) |
| Owner | Individual Name on File |
| Last Sale | $565,000 (Dec 2022) |
| Tax Bill | $18,737 (2025) |
| Deeds & Mortgages | Mar 2021 Refinance Apr 2025 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:052.0-0000-0079.0 |
| Primary APN | READ M:052.0-0000-0079.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,952 sqft Living Area |
| Gross Area | 9,663 sqft |
| Basement Area | 1,840 sqft |
| Unfinished Basement | 1,840 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,893 sqft (0.388 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 2270000000030 |
|---|---|
| Street Address | 21 FRANKLIN ST |
| City | READING |
| State | MA |
| Zip | 01867-1118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 334300 |
Source: Middlesex County and Reading Town records · APN READ M:052.0-0000-0079.0
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 | 21 FRANKLIN ST, READING, MA 01867-1118 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 15, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ARC HOME LLC |
| Apr 22, 2025 | Deed of Trust, Mortgage · Line of Credit NORTHERN BANK & TRUST CO |
| Sep 13, 2024 | Deed of Trust, Mortgage · Line of Credit NORTHERN HOME LOANS LLC |
| Dec 23, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORTHERN BANK & TRUST CO |
| Jul 19, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 23, 2022 · Amount on Record |
| Deed Sale | Dec 23, 2022 · Amount on Record |
| Prior Sale | Apr 20, 2012 · Amount on Record |
| Deed Book / Page | 81100 / 553 |
| Transfer Doc | 62705-508 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 21 FRANKLIN ST, READING, MA 01867-1118 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 077223-364 |
|---|---|
| Date | Mar 15, 2021 |
| Book Page | 77223/364 |
| Instrument | 56886 |
| Name | ARC HOME LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 21 FRANKLIN ST, READING, MA 01867-1118 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 083991-570 |
|---|---|
| Date | Apr 22, 2025 |
| Book Page | 83991/570 |
| Instrument | 41505 |
| Name | NORTHERN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 21 FRANKLIN ST, READING, MA 01867-1118 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 083234-462 |
|---|---|
| Date | Sep 13, 2024 |
| Book Page | 83234/462 |
| Instrument | 103710 |
| Name | NORTHERN HOME LOANS LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Dec 23, 2022 |
| Property Address | 21 FRANKLIN ST, READING, MA 01867-1118 |
| Document Number | 081100-553 |
| Book / Page | 81100 / 553 |
| Instrument Date | Dec 23, 2022 |
| Instrument | 186714 |
| Transaction Type | Transfer |
| Record Updated | Jan 06, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21 FRANKLIN ST, READING, MA 01867-1118 |
| Document Number | 0000186715 |
|---|---|
| Date | Dec 23, 2022 |
| Instrument | 186715 |
| Name | NORTHERN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Jan 01, 2028 |
| Max Rate At Change | 2.75% |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 21 FRANKLIN ST, READING, MA 01867-1118 |
| Document Number | 69823-289 |
| Book / Page | 069823 / 000289 |
| Instrument Date | Jul 19, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2017 |
| Name | Verified Name |
|---|
| Document Number | 69823-289 |
|---|---|
| Date | Aug 24, 2017 |
| Book Page | 069823/000289 |
| Instrument | 136137 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $18,737.00 (+108.19%) | $1,645,000 (+114.22%) Land $480,000 Building $1,165,000 | $1,792,935 (+142.52%) |
| 2024 | $9,000.00 (+0.3%) | $767,900 (+7.75%) Land $465,400 Building $302,500 | $739,290 |
| 2023 | $8,973.00 | $712,700 Land $405,400 Building $307,300 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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