Middlesex County and Reading Town property record for 23 Eaton St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,443 sqft · built 1875 |
| Lot Size | 0.241 acres (10,485 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $396,000 (Aug 2006) |
| Tax Bill | $8,565 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit Apr 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:022.0-0000-0121.0 |
| Primary APN | READ M:022.0-0000-0121.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,443 sqft Living Area |
| Gross Area | 3,039 sqft |
| 1st Floor Area | 1,264 sqft |
| Basement Area | 1,112 sqft |
| Unfinished Basement | 1,112 sqft |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,485 sqft (0.241 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 770000000010 |
|---|---|
| Street Address | 23 EATON ST |
| City | READING |
| State | MA |
| Zip | 01867-2704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4009 |
| 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 | 23 EATON ST, READING, MA 01867-2704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 22, 2026 | Deed of Trust, Mortgage · Line of Credit |
| Apr 6, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Feb 18, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Oct 26, 2017 | Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2006 · Amount on Record |
| Deed Sale | Aug 21, 2006 · Amount on Record |
| Prior Sale | Sep 27, 1996 · Amount on Record |
| Deed Document Number | 2006158459 |
| Deed Book / Page | 48020 / 46 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jun 22, 2026 |
| Property Address | 23 EATON ST, READING, MA 01867-2704 |
| Document Number | 0000074067 |
| Book / Page | 85762 / 224 |
| Instrument Date | Jun 13, 2026 |
| Instrument | 202674067 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 23 EATON ST, READING, MA 01867-2704 |
| Document Number | 0000074067, |
|---|---|
| Date | Jun 22, 2026 |
| Book Page | 85762/224 |
| Instrument | 202674067 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 23 EATON ST, READING, MA 01867-2704 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 77436-307 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | 77436/307 |
| Instrument | 76685 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 23 EATON ST, READING, MA 01867-2704 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74141-574 |
|---|---|
| Date | Feb 18, 2020 |
| Book Page | 74141/574 |
| Instrument | 23576 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 23 EATON ST, READING, MA 01867-2704 |
| Document Number | 70162-338 |
| Book / Page | 070162 / 000338 |
| Instrument Date | Oct 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2017 |
| Name | Verified Name |
|---|
| Document Number | 70162-338 |
|---|---|
| Date | Oct 31, 2017 |
| Book Page | 070162/000338 |
| Instrument | 6927 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 30, 2047 |
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 | $8,565.00 (+0.49%) | $781,500 (+4.44%) Land $436,300 Building $338,400 | $770,706 (+9.07%) |
| 2025 | $8,523.00 (+3.28%) | $748,300 (+6.28%) Land $417,600 Building $330,700 | $706,610 (+5.04%) |
| 2024 | $8,252.00 (+1.9%) | $704,100 (+9.47%) Land $392,700 Building $311,400 | $672,695 |
| 2023 | $8,098.00 | $643,200 Land $358,400 Building $284,800 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 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 | None beyond ember reach |
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 392 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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