Middlesex County and Reading Town property record for 246 Charles St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,843 sqft · built 1946 |
| Lot Size | 0.345 acres (15,041 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $377,000 (Jan 2003) |
| Tax Bill | $9,910 (2026) |
| Deeds & Mortgages | Dec 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:034.0-0000-0159.0 |
| Primary APN | READ M:034.0-0000-0159.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,843 sqft Living Area |
| Gross Area | 3,954 sqft |
| Basement Area | 1,132 sqft |
| Unfinished Basement | 985 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,041 sqft (0.345 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 1440000000060 |
|---|---|
| Street Address | 246 CHARLES ST |
| City | READING |
| State | MA |
| Zip | 01867-1830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S20 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 334400 |
246 Charles St is owned and occupied by two individuals who bought it in January 2003.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 246 CHARLES ST, READING, MA 01867-1830 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 10, 2003 · Amount on File |
| Deed Sale | Jan 10, 2003 · Amount on File |
| Deed Document Number | 20031603 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 246 CHARLES ST, READING, MA 01867-1830 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 72059-288 |
|---|---|
| Date | Dec 27, 2018 |
| Book Page | 72059/288 |
| Instrument | 196029 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 246 Charles St was $9,910, up 3.5% 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 | $9,910.00 (+3.52%) | $904,200 (+7.58%) Land $509,200 Building $395,000 | $930,631 (-1.43%) |
| 2025 | $9,573.00 (+0.22%) | $840,500 (+3.13%) Land $473,300 Building $367,200 | $944,110 (+26.2%) |
| 2024 | $9,552.00 (+6.87%) | $815,000 (+14.8%) Land $459,000 Building $356,000 | $748,125 |
| 2023 | $8,938.00 | $709,900 Land $399,800 Building $310,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 246 Charles St in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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 246 Charles St is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within 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 211 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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