212 Franklin St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 212 Franklin St, Reading, MA 01867

Property Summary

Property Type	Duplex
Details	4 bd · 3.5 ba · 2,492 sqft · built 1931
Lot Size	0.583 acres (25,395 sqft)
Owner	2 Individual Names on File
Last Sale	$718,000 (Aug 2018)
Tax Bill	$11,647 (2026)
Deeds & Mortgages	Feb 2025 Refinance Jul 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:051.0-0000-0051.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:051.0-0000-0051.0`
Alternative APNs	`M:051.0=0000=0051.0` `2080000000280` `2080000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,492 sqft Living Area
Gross Area	5,234 sqft
Basement Area	1,685 sqft
Unfinished Basement	1,685 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1957
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,395 sqft (0.583 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2080000000280
Street Address	212 FRANKLIN ST
City	READING
State	MA
Zip	01867-1028
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	3
Census Block	3006
Census Tract	334300

Owner

212 Franklin St, a duplex, is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	212 FRANKLIN ST, READING, MA 01867-1028
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Feb 28, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FCU
Jul 26, 2017	Deed of Trust, Mortgage · Closed-End Mortgage READING COOPERATIVE BANK
May 13, 2020	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC
Aug 15, 2018	Quit Claim Deed, Transfer · VA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2018 · Amount on File
Deed Sale	Aug 15, 2018 · Amount on File
Deed Book / Page	71477 / 49
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	212 FRANKLIN ST, READING, MA 01867-1028
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083810-528
Date	Feb 28, 2025
Book Page	83810/528
Instrument	20584

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	481 Months
Due	Mar 1, 2065

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	212 FRANKLIN ST, READING, MA 01867-1028
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69664-282
Date	Jul 26, 2017
Book Page	69664/282
Instrument	117315

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jul 1, 2042

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	212 FRANKLIN ST, READING, MA 01867-1028
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74666-194
Date	May 13, 2020
Book Page	74666/194
Instrument	72258

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 15, 2018
Property Address	212 FRANKLIN ST, READING, MA 01867-1028
Document Number	71477-49
Book / Page	071477 / 000049
Instrument Date	Jul 30, 2018
Instrument	124893
Transaction Type	Transfer
Record Updated	Sep 4, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,274.08
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	212 FRANKLIN ST READING MA 018671028, READING, MA 01867-1028

Mortgage

Document Number	71477-52
Date	Aug 15, 2018
Book Page	071477/000052
Instrument	124894

Lender

Name	GUARANTEED RATE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 212 Franklin St was $11,647, up 4.1% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,647.00 (+4.14%)	$1,062,700 (+8.23%) Land $548,900 Building $513,100	$893,956
2025	$11,184.00 (+0.22%)	$981,900 (+3.12%) Land $510,300 Building $471,600
2024	$11,160.00 (+6.87%)	$952,200 (+14.79%) Land $494,800 Building $457,400
2023	$10,443.00	$829,500 Land $431,000 Building $398,500

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

Flood

FEMA maps place 212 Franklin St 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	1 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 212 Franklin St is low, with 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 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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