21 Pine Ridge Rd, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 21 Pine Ridge Rd, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,520 sqft · built 1964
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Company Names on Record
Last Sale	$1,067,000 (Jul 2022)
Tax Bill	$12,662 (2026)
Deeds & Mortgages	Dec 2022 Transfer Jul 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:31-P:020`

Property Details

APN / Parcel Number

Primary APN	`M:31-P:020`
Alternative APN	`NREA M:031.0 B:0000 L:0020.0`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,520 sqft Living Area
Gross Area	1,368 sqft
1st Floor Area	1,368 sqft
Basement Area	1,152 sqft
Unfinished Basement	672 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,075 sqft (0.92 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	21 PINE RIDGE RD
City	NORTH READING
State	MA
Zip	01864-1402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	20.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	3
Census Block	3008
Census Tract	330102

Owner

Source: Middlesex County and North 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	2 Company Names on Record
Mailing Address	21 PINE RIDGE RD, NORTH READING, MA 01864-1402
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 22, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK OF AMERICA NA
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINTER HILL FED'L SVGS BK
May 20, 2020	Deed of Trust, Mortgage · Line of Credit WINTER HILL FED'L SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2022 · Amount on Record
Deed Sale	Jul 22, 2022 · Amount on Record
Prior Sale	Mar 2, 1992 · Amount on Record
Deed Document Number	2022112429
Deed Book / Page	80473 / 455
Last Transfer Date	Sep 9, 2022
Transfer Doc	081073-435
Record Updated	Oct 29, 2026

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Dec 16, 2022
Property Address	21 PINE RIDGE RD, NORTH READING, MA 01864-1402
Document Number	081073-435
Book / Page	81073 / 435
Instrument Date	Sep 9, 2022
Instrument	183484
Transaction Type	Transfer
Record Updated	Dec 30, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 PINE RIDGE RD, NORTH READING, MA 01864-1402

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Jul 22, 2022
Property Address	21 PINE RIDGE RD, NORTH READING, MA 01864-1402
Document Number	080473-455
Book / Page	80473 / 455
Instrument Date	Jul 22, 2022
Instrument	112429
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21 PINE RIDGE RD, NORTH READING, MA 01864-1402

Mortgage

Document Number	0000112430
Date	Jul 22, 2022
Instrument	112430

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	21 PINE RIDGE RD, NORTH READING, MA 01864-1402
Document Number	74744-183
Instrument Date	May 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 PINE RIDGE RD NORTH READING MA 018641402, NORTH READING, MA 01864-1402

Mortgage

Document Number	74744-183
Date	May 26, 2020
Book Page	074744/000183
Instrument	79162

Lender

Name	WINTER HILL FED'L SVGS BK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 25, 2035

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	21 PINE RIDGE RD, NORTH READING, MA 01864-1402
Document Number	74744-196
Instrument Date	May 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 PINE RIDGE RD NORTH READING MA 018641402, NORTH READING, MA 01864-1402

Mortgage

Document Number	74744-196
Date	May 26, 2020
Book Page	074744/000196
Instrument	79163

Lender

Name	WINTER HILL FED'L SVGS BK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 25, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	North Reading Town
Unified School District	North Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,662.00 (+3.22%)	$972,500 (+3.53%) Land $447,700 Building $524,800	$1,071,741
2025	$12,267.00 (+2.19%)	$939,300 (+3.37%) Land $414,500 Building $524,800
2024	$12,004.00 (+8.42%)	$908,700 (+14.82%) Land $383,900 Building $524,800
2023	$11,072.00	$791,400 Land $371,400 Building $420,000

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

Flood

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.

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	NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000
Water Source	Purchased surface water from ANDOVER WATER DEPT
Last State Inspection	Dec 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2020
Treatment and Procedure	Coliform assessment Aug 2019
Monitoring and Reporting	1 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 128 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

Cell Coverage

5G (outdoors only) and 4G LTE

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