21 Reading Ter, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 21 Reading Ter, Reading, MA 01867 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,809 sqft · built 1966
Lot Size	0.442 acres (19,254 sqft)
Owner	Individual Name on File
Last Sale	$860,000 (Jul 2025)
Tax Bill	$9,334 (2025)
Deeds & Mortgages	Jan 2021 Refinance May 2022 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:034.0-0000-0076.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:034.0-0000-0076.0`
Alternative APNs	`M:034.0=0000=0076.0` `1410000000110` `1410000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,809 sqft Living Area
Gross Area	4,123 sqft
1st Floor Area	972 sqft
Basement Area	1,302 sqft
Unfinished Basement	781 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1985
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,254 sqft (0.442 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1410000000110
Street Address	21 READING TER
City	READING
State	MA
Zip	01867-1744
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	1
Census Block	1005
Census Tract	334400

Owner

Source: Middlesex County and Reading Town records · APN READ M:034.0-0000-0076.0

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 READING TER, READING, MA 01867-1744
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance READING COOPERATIVE BANK
May 16, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance READING COOPERATIVE BANK
Mar 04, 2026	Deed of Trust, Mortgage GUARANTEED RATE INC
Jul 08, 2025	Quit Claim Deed, Transfer · Stand-Alone Refinance GUARANTEED RATE INC
Sep 25, 2019	Deed of Trust, Mortgage · Line of Credit READING COOPERATIVE BANK
Apr 20, 2018	Deed of Trust, Mortgage SANTANDER BANK NA
Sep 25, 2019	Deed of Trust, Mortgage · ARM READING COOPERATIVE BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 08, 2025 · Amount on Record
Deed Sale	Jul 08, 2025 · Amount on Record
Prior Sale	Jan 07, 2013 · Amount on Record
Deed Book / Page	84329 / 319
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	21 READING TER, READING, MA 01867-1744
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076790-464
Date	Jan 26, 2021
Book Page	76790/464
Instrument	18163

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	21 READING TER, READING, MA 01867-1744
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080128-294
Date	May 16, 2022
Book Page	80128/294
Instrument	72880

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jun 01, 2047

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	21 READING TER, READING, MA 01867-1744
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00085300-1
Date	Mar 04, 2026
Book Page	85300/1
Instrument	23720

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jul 08, 2025
Property Address	21 READING TER, READING, MA 01867-1744
Document Number	084329-319
Book / Page	84329 / 319
Instrument Date	Jul 08, 2025
Instrument	78810
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	21 READING TER, READING, MA 01867-1744

Mortgage

Document Number	0000078811
Date	Jul 08, 2025
Instrument	78811

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2055

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	21 READING TER, READING, MA 01867-1744
Transaction Type	Mortgage
Record Updated	Feb 07, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73338-84
Date	Sep 25, 2019
Book Page	73338/84
Instrument	145799

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 01, 2044

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	21 READING TER, READING, MA 01867-1744
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70895-350
Date	Apr 20, 2018
Book Page	70895/350
Instrument	53907

Lender

Name	SANTANDER BANK NA

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2048

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	21 READING TER, READING, MA 01867-1744
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73338-63
Date	Sep 25, 2019
Book Page	73338/63
Instrument	145798

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Oct 01, 2024

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Reading Town
Unified School District	Reading 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,334.00 (+1.16%)	$819,500 (+4.09%) Land $491,000 Building $328,500	$808,165 (-5.9%)
2024	$9,227.00 (+3.23%)	$787,300 (+10.9%) Land $471,700 Building $315,600	$858,800
2023	$8,938.00	$709,900 Land $425,300 Building $284,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173344001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct 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, availability as of December 31, 2025 · Published October 2026 · based on 315 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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