Middlesex County and Reading Town property record for 21 Harvard St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,488 sqft · built 1954 |
| Lot Size | 0.291 acres (12,680 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $178,000 (Jun 1991) |
| Tax Bill | $8,691 (2026) |
| Deeds & Mortgages | Feb 2017 Mortgage Jun 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:027.0-0000-0282.0 |
| Primary APN | READ M:027.0-0000-0282.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,488 sqft Living Area |
| Gross Area | 2,511 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,680 sqft (0.291 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1120000001020 |
|---|---|
| Street Address | 21 HARVARD ST |
| City | READING |
| State | MA |
| Zip | 01867-2020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 334300 |
21 Harvard St is owner-occupied and held in a trust since March 2025.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 21 HARVARD ST, READING, MA 01867-2020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 7, 2017 | Deed of Trust, Mortgage BERKSHIRE BANK |
| Jun 5, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 1991 · Amount on File |
| Deed Sale | Jun 4, 1991 · Amount on File |
| Last Transfer Date | Mar 20, 2025 |
| Transfer Doc | 083966-345 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 21 HARVARD ST, READING, MA 01867-2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 68869-505 |
|---|---|
| Date | Feb 7, 2017 |
| Book Page | 68869/505 |
| Instrument | 21265 |
| Name | BERKSHIRE BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 21 HARVARD ST, READING, MA 01867-2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74825-352 |
|---|---|
| Date | Jun 5, 2020 |
| Book Page | 74825/352 |
| Instrument | 86841 |
| Name | BANGOR SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
The 2026 property tax bill for 21 Harvard St was $8,691, up 1.5% from the year before.
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 | $8,691.00 (+1.52%) | $793,000 (+5.51%) Land $519,200 Building $273,800 | $756,930 (+6.89%) |
| 2025 | $8,561.00 (+1.17%) | $751,600 (+4.1%) Land $492,100 Building $259,500 | $708,130 (-6.91%) |
| 2024 | $8,462.00 (+3.25%) | $722,000 (+10.91%) Land $472,700 Building $249,300 | $760,665 |
| 2023 | $8,196.00 | $651,000 Land $426,200 Building $224,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Harvard St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.
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 | 5 in force |
| Nearby Flood Claims | 3 (1978–2004) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Apr 2004 · Flooding |
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.
The area around 21 Harvard St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 368 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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