Middlesex County and North Reading Town property record for 231 Central St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,988 sqft · built 2003 |
| Lot Size | 0.944 acres (41,121 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $700,000 (Aug 2003) |
| Tax Bill | $15,271 (2026) |
| Deeds & Mortgages | Oct 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | M:28-P:087 |
| Primary APN | M:28-P:087 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,988 sqft Living Area |
| Gross Area | 1,252 sqft |
| 1st Floor Area | 1,279 sqft |
| Basement Area | 1,279 sqft |
| Unfinished Basement | 1,279 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 41,121 sqft (0.944 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 231 CENTRAL ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-1304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 87.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 330102 |
231 Central St is owner-occupied and held in a trust since September 2024.
Source: Middlesex County and North Reading Town records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 231 CENTRAL ST, NORTH READING, MA 01864-1304 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2003 · Amount on File |
| Deed Sale | Aug 29, 2003 · Amount on File |
| Last Transfer Date | Sep 25, 2024 |
| Transfer Doc | 083289-422 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 231 CENTRAL ST, NORTH READING, MA 01864-1304 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0082122-50 |
|---|---|
| Date | Oct 23, 2023 |
| Book Page | 82122/50 |
| Instrument | 119717 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Nov 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 231 Central St was $15,271, up 2.6% from the year before.
Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $15,271.00 (+2.55%) | $1,172,900 (+2.87%) Land $419,700 Building $753,200 | $1,286,872 |
| 2025 | $14,891.00 (+0.19%) | $1,140,200 (+1.34%) Land $403,700 Building $736,500 | |
| 2024 | $14,863.00 (+4.67%) | $1,125,100 (+10.85%) Land $380,700 Building $744,400 | |
| 2023 | $14,200.00 | $1,015,000 Land $349,600 Building $665,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 231 Central St in Zone X, an area of minimal flood risk, within 100 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 100 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 risk around 231 Central St is low, with less than 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 94% of the US · lower than 88% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber | 980 / 880 |
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