Middlesex County and Reading Town property record for 226 Charles St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,498 sqft · built 1950 |
| Lot Size | 0.345 acres (15,041 sqft) |
| Owner | Individual Name on File |
| Last Sale | $645,000 (Aug 2022) |
| Tax Bill | $8,275 (2026) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Nov 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:034.0-0000-0180.0 |
| Primary APN | READ M:034.0-0000-0180.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,498 sqft Living Area |
| Gross Area | 2,112 sqft |
| Basement Area | 856 sqft |
| Unfinished Basement | 342 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,041 sqft (0.345 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1440000000270 |
|---|---|
| Street Address | 226 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 |
226 Charles St is owned and occupied by an individual who bought it in August 2022.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 226 CHARLES ST, READING, MA 01867-1828 |
| 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.
| Date | Document |
|---|---|
| Aug 16, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORCOM MORTGAGE |
| Nov 23, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Mar 29, 2018 | Quit Claim Deed, Transfer · Conventional with PMI FIRST CHOICE LN SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2022 · Amount on File |
| Deed Sale | Aug 16, 2022 · Amount on File |
| Prior Sale | Mar 29, 2018 · Amount on File |
| Deed Book / Page | 80589 / 366 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Aug 16, 2022 |
| Property Address | 226 CHARLES ST, READING, MA 01867-1828 |
| Document Number | 080589-366 |
| Book / Page | 80589 / 366 |
| Instrument Date | Aug 16, 2022 |
| Instrument | 125957 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 226 CHARLES ST, READING, MA 01867-1828 |
| Document Number | 0000125958 |
|---|---|
| Date | Aug 16, 2022 |
| Instrument | 125958 |
| Name | NORCOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 226 CHARLES ST, READING, MA 01867-1828 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76238-164 |
|---|---|
| Date | Nov 23, 2020 |
| Book Page | 76238/164 |
| Instrument | 220571 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Mar 29, 2018 |
| Property Address | 226 CHARLES ST, READING, MA 01867-1828 |
| Document Number | 70794-532 |
| Book / Page | 070794 / 000532 |
| Instrument Date | Mar 27, 2018 |
| Instrument | 41778 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,156.88 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 226 CHARLES ST READING MA 018671828, READING, MA 01867-1828 |
| Document Number | 70794-536 |
|---|---|
| Date | Mar 29, 2018 |
| Book Page | 070794/000536 |
| Instrument | 41779 |
| Name | FIRST CHOICE LN SVCS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 28, 2048 |
The 2026 property tax bill for 226 Charles St was $8,275, up 3.5% from the year before.
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 | $8,275.00 (+3.52%) | $755,000 (+7.58%) Land $509,200 Building $245,800 | $803,153 (-6.68%) |
| 2025 | $7,994.00 (+0.21%) | $701,800 (+3.11%) Land $473,300 Building $228,500 | $860,605 (+15.65%) |
| 2024 | $7,977.00 (+3.09%) | $680,600 (+10.74%) Land $459,000 Building $221,600 | $744,135 |
| 2023 | $7,738.00 | $614,600 Land $399,800 Building $214,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 226 Charles 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 | 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 risk around 226 Charles 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 | 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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