224 Franklin St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 224 Franklin St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,572 sqft · built 1957
Lot Size	0.514 acres (22,403 sqft)
Owner	2 Individual Names on File
Last Sale	$942,500 (Nov 2018)
Tax Bill	$15,024 (2026)
Deeds & Mortgages	Aug 2021 Refinance Aug 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:051.0-0000-0050.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:051.0-0000-0050.0`
Alternative APNs	`M:051.0=0000=0050.0` `2080000000270` `2080000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,572 sqft Living Area
Gross Area	5,536 sqft
Basement Area	1,542 sqft
Unfinished Basement	1,156 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 2018
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,403 sqft (0.514 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2080000000270
Street Address	224 FRANKLIN ST
City	READING
State	MA
Zip	01867-1028
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	3
Census Block	3006
Census Tract	334300

Owner

224 Franklin St is owned and occupied by two individuals who bought it in November 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	224 FRANKLIN ST, READING, MA 01867-1028
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SOFI LENDING CORP
Aug 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SOFI LENDING CORP
Aug 7, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Nov 14, 2018	Quit Claim Deed, Transfer LEADER BANK NA
Nov 27, 2017	Personal Representative Deed, Transfer STONEHAM COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2018 · Amount on File
Deed Sale	Nov 14, 2018 · Amount on File
Prior Sale	Nov 27, 2017 · Amount on File
Deed Book / Page	71880 / 478
Transfer Doc	071880-478
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	224 FRANKLIN ST, READING, MA 01867-1028
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00078392-5
Date	Aug 3, 2021
Book Page	78392/5
Instrument	174044

Lender

Name	SOFI LENDING CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Sep 1, 2050

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	224 FRANKLIN ST, READING, MA 01867-1028
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78392-5
Date	Aug 3, 2021
Book Page	78392/5
Instrument	174044

Lender

Name	SOFI LENDING CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	349 Months
Due	Sep 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	224 FRANKLIN ST, READING, MA 01867-1028
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73072-1
Date	Aug 7, 2019
Book Page	73072/1
Instrument	116345

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Nov 14, 2018
Property Address	224 FRANKLIN ST, READING, MA 01867-1028
Document Number	71880-478
Book / Page	71880 / 478
Instrument	174730
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$62.23
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	718800484
Date	Nov 14, 2018
Instrument	71880/0484

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2048

November 2017: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	READING MA
Recording Date	Nov 27, 2017
Property Address	224 FRANKLIN ST, READING, MA 01867-1028
Document Number	70289-314
Book / Page	70289 / 314
Instrument	191763
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.19
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 FRANKLIN ST, READING, MA 01867-1028

Mortgage

Document Number	702890317
Date	Nov 27, 2017
Instrument	70289/0317

Lender

Name	STONEHAM COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 27, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 224 Franklin St was $15,024, up 3.5% from the year before.

Source: Middlesex County and Reading Town assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$15,024.00 (+3.52%)	$1,370,800 (+7.58%) Land $510,600 Building $859,900	$1,490,296 (+12.95%)
2025	$14,513.00 (+0.22%)	$1,274,200 (+3.12%) Land $474,600 Building $799,600	$1,319,455 (-14.61%)
2024	$14,481.00 (+6.86%)	$1,235,600 (+14.79%) Land $460,200 Building $775,400	$1,545,175
2023	$13,552.00	$1,076,400 Land $400,900 Building $675,500

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

Flood

FEMA maps place 224 Franklin St in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 224 Franklin 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 200 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 and 4G LTE (outdoors only)

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