228 Main St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 228 Main St, Reading, MA 01867

Property Summary

Property Type	Bank, Financial Building
Details	2 bd · 3 ba · 2,291 sqft · built 1970
Lot Size	0.57 acres (24,847 sqft)
Owner	Company Name on File
Last Sale	$2,300,000 (Nov 2021)
Tax Bill	$15,417 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:011.0-0000-0010.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:011.0-0000-0010.0`
Alternative APNs	`M:011.0=0000=0010.0` `190000000190` `190000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,291 sqft Total Area
Gross Area	4,689 sqft
1st Floor Area	2,000 sqft
Basement Area	2,172 sqft
Unfinished Basement	2,172 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,847 sqft (0.57 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water

Location & Zoning

Account Number	190000000190
Street Address	228 MAIN ST
City	READING
State	MA
Zip	01867-3602
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Local Zoning Code	BUSA
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	1
Census Block	1010
Census Tract	334100

Owner

Source: Middlesex County and Reading Town records · APN READ M:011.0-0000-0010.0

Assessment roll updated April 14, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	50 LIBERTY DR, 5D, BOSTON, MA 02210-1342
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 16, 2021 · Amount on Record
Deed Sale	Nov 16, 2021 · Amount on Record
Prior Sale	Dec 04, 2000 · Amount on Record
Deed Document Number	2021250243
Deed Book / Page	79156 / 561
Record Updated	Jun 08, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Nov 16, 2021
Property Address	228 MAIN ST, READING, MA 01867-3602
Document Number	79156-561
Book / Page	79156 / 561
Instrument Date	Nov 03, 2021
Instrument	250243
Transaction Type	Transfer
Record Updated	Dec 03, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 LIBERTY DR UNIT 5D, 5D, BOSTON, MA 02210-1342

Mortgage

Document Number	250244
Date	Nov 16, 2021
Instrument	250244

Lender

Name	HARBORONE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified April 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 is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$15,417.00 (+1.64%)	$1,216,800 (+3.65%) Land $614,100 Building $602,700
2024	$15,168.00 (-2.2%)	$1,174,000 (-) Land $591,100 Building $582,900
2023	$15,509.00	$1,174,000 Land $591,100 Building $582,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), as of September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173341001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1979–1998)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 1998 · Heavy Rains And Flooding

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Radiate Holdings.

Based on FCC filings for 243 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MA3246000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	READING WATER DEPARTMENT (MWRA) serves 26,262 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.