Middlesex County and North Reading Town property record for 243 Central St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,342 sqft · built 1977 |
| Lot Size | 1.9 acres (82,764 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $392,000 (Sep 2002) |
| Tax Bill | $10,199 (2026) |
| Deeds & Mortgages | Feb 2021 Refinance Apr 2017 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | M:28-P:058 |
| Primary APN | M:28-P:058 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,342 sqft Living Area |
| 1st Floor Area | 1,342 sqft |
| Basement Area | 1,232 sqft |
| Unfinished Basement | 132 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 82,764 sqft (1.9 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Pool Type | In-Ground Pool |
| Deck Area | Deck Area |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 243 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 | 58.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 330102 |
243 Central St is owned and occupied by two individuals who bought it in September 2002.
Source: Middlesex County and North Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 243 CENTRAL ST, NORTH READING, MA 01864-1304 |
| 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 |
|---|---|
| Feb 24, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Apr 25, 2017 | Deed of Trust, Mortgage MERRIMACK MTG CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2002 · Amount on File |
| Deed Sale | Sep 23, 2002 · Amount on File |
| Prior Sale | Nov 27, 1996 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 243 CENTRAL ST, NORTH READING, MA 01864-1304 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001871045 |
|---|---|
| Date | Feb 24, 2021 |
| Instrument | 1871045 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 243 CENTRAL ST, NORTH READING, MA 01864-1304 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001758714 |
|---|---|
| Date | Apr 25, 2017 |
| Instrument | 1758714 |
| Name | MERRIMACK MTG CO |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 1, 2047 |
The 2026 property tax bill for 243 Central St was $10,199, up 1.9% 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 | $10,199.00 (+1.87%) | $783,300 (+2.18%) Land $435,200 Building $348,100 | $822,646 |
| 2025 | $10,012.00 (+6.51%) | $766,600 (+7.73%) Land $418,500 Building $348,100 | |
| 2024 | $9,400.00 (+0.52%) | $711,600 (+6.46%) Land $394,300 Building $317,300 | |
| 2023 | $9,351.00 | $668,400 Land $362,900 Building $305,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 243 Central St in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 243 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 93% of the US · lower than 83% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 | 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 58 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
5G (outdoors only) and 4G LTE
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