22 Harvard St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 22 Harvard St, Reading, MA 01867 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,220 sqft · built 1952
Lot Size	0.363 acres (15,821 sqft)
Owner	Individual Name on File
Last Sale	$368,000 (Jul 2008)
Tax Bill	$9,589 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:027.0-0000-0233.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:027.0-0000-0233.0`
Alternative APNs	`M:027.0=0000=0233.0` `1120000000090` `1120000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,220 sqft Living Area
Gross Area	3,658 sqft
Basement Area	792 sqft
Unfinished Basement	420 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1990
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,821 sqft (0.363 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1120000000090
Street Address	22 HARVARD ST
City	READING
State	MA
Zip	01867-2019
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	4
Census Block	4024
Census Tract	334300

Owner

Source: Middlesex County and Reading Town records · APN READ M:027.0-0000-0233.0

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	22 HARVARD ST, READING, MA 01867-2019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2025	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK
Apr 05, 2022	Deed of Trust, Mortgage · ARM GUARANTEED RATE INC
Jul 31, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Aug 31, 2018	Quit Claim Deed, Transfer · ARM GMH MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 25, 2008 · Amount on Record
Deed Sale	Jul 25, 2008 · Amount on Record
Deed Document Number	2008122648
Deed Book / Page	51483 / 345
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	22 HARVARD ST, READING, MA 01867-2019
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084485-166
Date	Aug 13, 2025
Book Page	84485/166
Instrument	96507

Lender

Name	CAMBRIDGE SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2055

Interest

Rate Type	Adjustable Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	22 HARVARD ST, READING, MA 01867-2019
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079933-423
Date	Apr 05, 2022
Book Page	79933/423
Instrument	51167

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	May 01, 2032
Index	Other
Margin	3

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	22 HARVARD ST, READING, MA 01867-2019
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75258-236
Date	Jul 31, 2020
Book Page	75258/236
Instrument	126951

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2050

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 31, 2018
Property Address	22 HARVARD ST, READING, MA 01867-2019
Document Number	71567-249
Book / Page	71567 / 249
Instrument	135803
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$74.55
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 HARVARD ST, READING, MA 01867-2019

Mortgage

Document Number	71567-254
Date	Aug 31, 2018
Book Page	71567/254
Instrument	135804

Lender

Name	GMH MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

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	$9,589.00 (+1.16%)	$841,900 (+4.09%) Land $503,900 Building $338,000	$841,985
2024	$9,479.00 (+3.25%)	$808,800 (+10.92%) Land $484,100 Building $324,700
2023	$9,181.00	$729,200 Land $436,400 Building $292,800

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 250173343004, 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	5 in force
Nearby Flood Claims	3 (1978–2004)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Apr 2004, rainfall accumulation, Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 368 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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