22 Cold Spring Rd, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 22 Cold Spring Rd, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,686 sqft · built 1967
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (Nov 2019)
Tax Bill	$8,213 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:05-P:047`

Property Details

APN / Parcel Number

Primary APN	`M:05-P:047`
Alternative APN	`NREA M:005.0 B:0000 L:0047.0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,686 sqft Living Area
1st Floor Area	1,110 sqft
Basement Area	768 sqft
Unfinished Basement	192 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	22 COLD SPRING RD
City	NORTH READING
State	MA
Zip	01864-2015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	47.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1004
Census Tract	330202

Owner

Source: Middlesex County and North Reading Town records · APN M:05-P:047

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	22 COLD SPRING RD, NORTH READING, MA 01864-2015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 26, 2019 · Amount on Record
Deed Sale	Nov 26, 2019 · Amount on Record
Prior Sale	Aug 02, 2016 · Amount on Record
Deed Document Number	2019186530
Deed Book / Page	73722 / 419
Record Updated	Sep 20, 2026

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Nov 26, 2019
Property Address	22 COLD SPRING RD, NORTH READING, MA 01864-2015
Document Number	073722-419
Book / Page	73722 / 419
Instrument Date	Nov 15, 2019
Instrument	186530
Transaction Type	Transfer
Record Updated	May 10, 2022

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	22 COLD SPRING RD, NORTH READING, MA 01864-2015

Mortgage

Document Number	0000186531
Date	Nov 26, 2019
Instrument	186531

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value
2025	$8,213.00 (+3.48%)	$628,900 (+4.68%) Land $355,500 Building $273,400
2024	$7,937.00 (+4.99%)	$600,800 (+11.18%) Land $335,200 Building $265,600
2023	$7,560.00	$540,400 Land $308,200 Building $232,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 163 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTH READING WATER DEPT. serves 16,379 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.