221 Central St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 221 Central St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,740 sqft · built 1969
Lot Size	2.22 acres (96,703 sqft)
Owner	Individual Name on File
Tax Bill	$10,031 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:28-P:052`

Property Details

APN / Parcel Number

Primary APN	`M:28-P:052`
Alternative APN	`NREA M:028.0 B:0000 L:0052.0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,740 sqft Living Area
1st Floor Area	1,740 sqft
Basement Area	1,740 sqft
Unfinished Basement	1,740 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Tar & Gravel
Lot Area	96,703 sqft (2.22 acres)
Garage Type	Attached
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	221 CENTRAL ST
City	NORTH READING
State	MA
Zip	01864-1365
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	52.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	3
Census Block	3007
Census Tract	330102

Owner

221 Central St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	221 CENTRAL ST, NORTH READING, MA 01864-1365
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 30, 2026	Deed of Trust, Mortgage · Line of Credit ALIGN CREDIT UNION
Jul 31, 2017	Deed of Trust, Mortgage · Line of Credit ALIGN CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Recording Date	Sep 30, 2026
Property Address	221 CENTRAL ST, NORTH READING, MA 01864-1365
Document Number	0000123546
Book / Page	86192 / 348
Instrument Date	Sep 24, 2026
Instrument	2026123546
Transaction Type	Mortgage
Record Updated	Oct 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 CENTRAL ST, NORTH READING, MA 01864-1365

Mortgage

Document Number	0000123546,
Date	Sep 30, 2026
Book Page	86192/348
Instrument	2026123546

Lender

Name	ALIGN CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2046

Interest

Max Rate	-1%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	221 CENTRAL ST, NORTH READING, MA 01864-1365
Document Number	69765-35
Book / Page	069765 / 000035
Instrument Date	Jul 31, 2017
Transaction Type	Mortgage
Record Updated	Sep 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69765-35
Date	Aug 14, 2017
Book Page	069765/000035
Instrument	129289

Lender

Name	ALIGN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 221 Central St was $10,031, up 1.9% from the year before.

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	Assessed Market Value
2026	$10,031.00 (+1.93%)	$770,400 (+2.24%) Land $439,700 Building $330,700	$812,205
2025	$9,841.00 (+2.4%)	$753,500 (+3.57%) Land $422,800 Building $330,700
2024	$9,610.00 (+8.55%)	$727,500 (+14.97%) Land $398,200 Building $329,300
2023	$8,853.00	$632,800 Land $366,800 Building $266,000

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

Flood

FEMA maps place 221 Central St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	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.

Wildfire

Wildfire risk around 221 Central 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	NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000
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, 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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Central St

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