Middlesex County and Reading Town property record for 220 Charles St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,628 sqft · built 1950 |
| Lot Size | 0.399 acres (17,402 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $405,000 (Dec 2013) |
| Tax Bill | $11,749 (2026) |
| Deeds & Mortgages | May 2019 Refinance Feb 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:034.0-0000-0181.0 |
| Primary APN | READ M:034.0-0000-0181.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,628 sqft Living Area |
| Gross Area | 3,876 sqft |
| Basement Area | 920 sqft |
| Unfinished Basement | 460 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,402 sqft (0.399 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 1440000000280 |
|---|---|
| Street Address | 220 CHARLES ST |
| City | READING |
| State | MA |
| Zip | 01867-1828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S20 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 334400 |
Source: Middlesex County and Reading Town records, as of October 20, 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 | 220 CHARLES ST, READING, MA 01867-1828 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 8, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance NEEDHAM BANK |
| Feb 24, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance NEEDHAM BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 18, 2013 · Amount on Record |
| Deed Sale | Dec 18, 2013 · Amount on Record |
| Prior Sale | Dec 18, 2013 · Amount on Record |
| Deed Book / Page | 63079 / 516 |
| Transfer Doc | 6307000516 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 220 CHARLES ST, READING, MA 01867-1828 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 72569-280 |
|---|---|
| Date | May 8, 2019 |
| Book Page | 72569/280 |
| Instrument | 59027 |
| Name | NEEDHAM BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 220 CHARLES ST, READING, MA 01867-1828 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74170-252 |
|---|---|
| Date | Feb 24, 2020 |
| Book Page | 74170/252 |
| Instrument | 26629 |
| Name | NEEDHAM BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $11,749.00 (+3.52%) | $1,072,000 (+7.58%) Land $518,300 Building $553,700 | $1,178,097 (+2.83%) |
| 2025 | $11,350.00 (+0.22%) | $996,500 (+3.13%) Land $481,800 Building $514,700 | $1,145,700 (+23.7%) |
| 2024 | $11,325.00 (+6.87%) | $966,300 (+14.8%) Land $467,200 Building $499,100 | $926,155 |
| 2023 | $10,597.00 | $841,700 Land $406,900 Building $434,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 211 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 |
| AT&T Fixed Wireless | 100 / 20 |
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