22 Cherry St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 22 Cherry St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,894 sqft · built 1931
Lot Size	1.9 acres (82,764 sqft)
Owner	2 Individual Names on Record
Last Sale	$715,000 (Aug 2018)
Tax Bill	$11,676 (2025)
Deeds & Mortgages	Feb 2021 Refinance Aug 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:44-P:020`

Property Details

APN / Parcel Number

Primary APN	`M:44-P:020`
Alternative APN	`NREA M:044.0 B:0000 L:0020.0`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,894 sqft Living Area
1st Floor Area	1,727 sqft
Basement Area	1,089 sqft
Unfinished Basement	189 sqft

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	82,764 sqft (1.9 acres)
Garage Type	Attached
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	22 CHERRY ST
City	NORTH READING
State	MA
Zip	01864
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	2
Census Block	2000
Census Tract	330102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	22 CHERRY ST, NORTH READING, MA 01864
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Aug 31, 2018	Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT COM
Jul 2, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2018 · Amount on Record
Deed Sale	Aug 31, 2018 · Amount on Record
Deed Book / Page	71560 / 395
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	22 CHERRY ST, NORTH READING, MA 01864
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0077049-24
Date	Feb 24, 2021
Book Page	77049/24
Instrument	41105

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Aug 31, 2018
Property Address	22 CHERRY ST, NORTH READING, MA 01864-1803
Document Number	71560-395
Book / Page	071560 / 000395
Instrument Date	Aug 29, 2018
Instrument	135097
Transaction Type	Transfer
Record Updated	Jan 15, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,260.40
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	22 CHERRY ST NORTH READING MA 018641803, NORTH READING, MA 01864-1803

Mortgage

Document Number	71560-397
Date	Aug 31, 2018
Book Page	071560/000397
Instrument	135098

Lender

Name	LOANDEPOT COM

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 30, 2048

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Jul 2, 2018
Property Address	22 CHERRY ST, NORTH READING, MA 01864-1803
Document Number	71257-391
Book / Page	071257 / 000391
Instrument Date	Jun 18, 2018
Instrument	97580
Transaction Type	Transfer
Record Updated	Jul 30, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	22 CHERRY ST NORTH READING MA 018641803, NORTH READING, MA 01864-1803

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
2025	$11,676.00 (+6.91%)	$894,000 (+8.14%) Land $418,500 Building $475,500
2024	$10,921.00 (-1.84%)	$826,700 (+3.95%) Land $394,300 Building $432,400
2023	$11,126.00	$795,300 Land $362,900 Building $432,400

Assessed value is set for property tax purposes and is not a market price estimate.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

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

Wildfire Risk	Low lower than 93% of the US · lower than 83% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 121 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 (outdoors only) and 4G LTE

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