21 Valley Rd, North Reading, MA 01864 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,302 sqft · built 2003
Lot Size	0.793 acres (34,543 sqft)
Owner	2 Individual Names on File
Last Sale	$865,000 (May 2017)
Tax Bill	$15,675 (2026)
Deeds & Mortgages	May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:26-P:110`

Property Details

APN / Parcel Number

Primary APN	`M:26-P:110`
Alternative APN	`NREA M:026.0 B:0000 L:0110.0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,302 sqft Living Area
Gross Area	1,726 sqft
1st Floor Area	1,870 sqft
Basement Area	1,726 sqft
Unfinished Basement	1,726 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	34,543 sqft (0.793 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	21 VALLEY RD
City	NORTH READING
State	MA
Zip	01864-1740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	110.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1005
Census Tract	330201

Owner

21 Valley Rd is owned and occupied by two individuals who bought it in May 2017.

Source: Middlesex County and North Reading Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	21 VALLEY RD, NORTH READING, MA 01864-1740
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2017 · Amount on File
Deed Sale	May 19, 2017 · Amount on File
Prior Sale	May 13, 2003 · Amount on File
Deed Book / Page	69307 / 233
Transfer Doc	069307-233
Record Updated	Oct 29, 2026

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	May 19, 2017
Property Address	21 VALLEY RD, NORTH READING, MA 01864-1740
Document Number	69307-233
Book / Page	69307 / 233
Instrument	74721
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$126.56
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 VALLEY RD, NORTH READING, MA 01864-1740

Mortgage

Document Number	693070237
Date	May 19, 2017
Instrument	69307/0237

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 19, 2047

Interest

Rate	2.75%
Max Rate At Change	60.1%
Max Rate	2.25%

Tax Assessment & Valuation

The 2026 property tax bill for 21 Valley Rd was $15,675, up 3.3% from the year before.

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	$15,675.00 (+3.28%)	$1,203,900 (+3.6%) Land $523,700 Building $680,200	$1,316,909
2025	$15,177.00 (+3.01%)	$1,162,100 (+4.19%) Land $497,000 Building $665,100
2024	$14,734.00 (+3.58%)	$1,115,400 (+9.7%) Land $450,300 Building $665,100
2023	$14,225.00	$1,016,800 Land $437,500 Building $579,300

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

Flood

FEMA maps place 21 Valley Rd in Zone X, an area of minimal flood risk.

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	8 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

Wildfire risk around 21 Valley Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 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.

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 143 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