Middlesex County and Reading Town property record for 245 Lowell St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,509 sqft · built 1952 |
| Lot Size | 0.235 acres (10,237 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $310,000 (Aug 2003) |
| Tax Bill | $7,679 (2026) |
| Deeds & Mortgages | Jan 2021 Line of Credit Apr 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:026.0-0000-0149.0 |
| Primary APN | READ M:026.0-0000-0149.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,509 sqft Living Area |
| Gross Area | 2,335 sqft |
| Basement Area | 1,118 sqft |
| Unfinished Basement | 727 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,237 sqft (0.235 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1120000000950 |
|---|---|
| Street Address | 245 LOWELL ST |
| City | READING |
| State | MA |
| Zip | 01867-2055 |
| 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 | 4020 |
| Census Tract | 334300 |
245 Lowell St is owner-occupied and held in a trust since March 2021.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 245 LOWELL ST, READING, MA 01867-2055 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Jan 22, 2021 | Deed of Trust, Mortgage · Line of Credit HANSCOM FCU |
| Apr 20, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Dec 9, 2020 | Quit Claim Deed, Transfer · Stand-Alone Refinance QUICKEN LOANS INC |
| Jun 19, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 15, 2003 · Amount on File |
| Deed Sale | Aug 15, 2003 · Amount on File |
| Prior Sale | Feb 11, 1997 · Amount on File |
| Last Transfer Date | Mar 25, 2021 |
| Transfer Doc | 77549-271 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 245 LOWELL ST, READING, MA 01867-2055 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 076757-137 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | 76757/137 |
| Instrument | 15169 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Apr 20, 2021 |
| Property Address | 245 LOWELL ST, READING, MA 01867-2055 |
| Document Number | 77549-271 |
| Book / Page | 77549 / 271 |
| Instrument Date | Mar 25, 2021 |
| Instrument | 88071 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 245 LOWELL ST, READING, MA 01867-2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Dec 9, 2020 |
| Property Address | 245 LOWELL ST, READING, MA 01867-2055 |
| Document Number | 76374-526 |
| Book / Page | 76374 / 526 |
| Instrument Date | Dec 3, 2020 |
| Instrument | 233260 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 245 LOWELL ST, READING, MA 01867-2055 |
| Document Number | 76374-529 |
|---|---|
| Date | Dec 9, 2020 |
| Book Page | 76374/529 |
| Instrument | 233261 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jun 19, 2019 |
| Property Address | 245 LOWELL ST, READING, MA 01867-2055 |
| Document Number | 72785-453 |
| Book / Page | 072785 / 000453 |
| Instrument Date | May 1, 2019 |
| Instrument | 84069 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 245 LOWELL ST READING MA 018672055, READING, MA 01867-2055 |
The 2026 property tax bill for 245 Lowell St was $7,679, down 2.3% 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 | $7,679.00 (-2.25%) | $700,600 (+1.58%) Land $423,600 Building $272,000 | $752,853 (+6.93%) |
| 2025 | $7,856.00 (+1.13%) | $689,700 (+4.06%) Land $417,000 Building $272,700 | $704,045 (+2.25%) |
| 2024 | $7,768.00 (+3.16%) | $662,800 (+10.82%) Land $400,600 Building $262,200 | $688,560 |
| 2023 | $7,530.00 | $598,100 Land $361,200 Building $236,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 245 Lowell St in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 3 (1978–2004) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Apr 2004 · Flooding |
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 245 Lowell 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 95% of the US · lower than 90% 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 | 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 368 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures