Middlesex County and Reading Town property record for 246 West St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,218 sqft · built 1936 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $525,000 (Jul 2018) |
| Tax Bill | $7,561 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit May 2020 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:015.0-0000-0019.0 |
| Primary APN | READ M:015.0-0000-0019.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,218 sqft Living Area |
| Gross Area | 2,256 sqft |
| Basement Area | 672 sqft |
| Unfinished Basement | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 370000001050 |
|---|---|
| Street Address | 246 WEST ST |
| City | READING |
| State | MA |
| Zip | 01867-2847 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 334100 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 246 WEST ST, READING, MA 01867-2847 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| May 11, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance INSTITUTION FOR SAVINGS NEWBURYPORT |
| Jun 17, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR |
| Feb 20, 2019 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Jul 26, 2018 | Quit Claim Deed, Transfer CROSSCOUNTRY MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 26, 2018 · Amount on Record |
| Deed Sale | Jul 26, 2018 · Amount on Record |
| Deed Document Number | 2018112515 |
| Deed Book / Page | 71375 / 465 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Aug 26, 2026 |
| Property Address | 246 WEST ST, READING, MA 01867-2847 |
| Document Number | 0000107905 |
| Book / Page | 86059 / 222 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 2026107905 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 246 WEST ST, READING, MA 01867-2847 |
| Document Number | 0000107905, |
|---|---|
| Date | Aug 26, 2026 |
| Book Page | 86059/222 |
| Instrument | 2026107905 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 246 WEST ST, READING, MA 01867-2847 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74642-287 |
|---|---|
| Date | May 11, 2020 |
| Book Page | 74642/287 |
| Instrument | 70247 |
| Name | INSTITUTION FOR SAVINGS NEWBURYPORT |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 246 WEST ST, READING, MA 01867-2847 |
| Document Number | 72814-311 |
| Instrument Date | Jun 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 9, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 246 WEST ST READING MA 018672847, READING, MA 01867-2847 |
| Document Number | 72814-311 |
|---|---|
| Date | Jun 24, 2019 |
| Book Page | 072814/000311 |
| Instrument | 87232 |
| Name | QUAD CTY BK&TR |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 23, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 246 WEST ST, READING, MA 01867-2847 |
| Document Number | 72306-299 |
| Instrument Date | Feb 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 246 WEST ST READING MA 018672847, READING, MA 01867-2847 |
| Document Number | 72306-299 |
|---|---|
| Date | Mar 7, 2019 |
| Book Page | 072306/000299 |
| Instrument | 28297 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jul 26, 2018 |
| Property Address | 246 WEST ST, READING, MA 01867-2847 |
| Document Number | 71375-465 |
| Book / Page | 71375 / 465 |
| Instrument | 112515 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $55.65 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 246 WEST ST, READING, MA 01867-2847 |
| Document Number | 713750467 |
|---|---|
| Date | Jul 26, 2018 |
| Instrument | 71375/0467 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 26, 2048 |
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 | $7,561.00 (-2.27%) | $689,900 (+1.56%) Land $418,500 Building $266,800 | $717,241 (-1.6%) |
| 2025 | $7,737.00 (+1.14%) | $679,300 (+4.08%) Land $412,000 Building $267,300 | $728,935 (+3.76%) |
| 2024 | $7,650.00 (+3.16%) | $652,700 (+10.81%) Land $395,800 Building $256,900 | $702,525 |
| 2023 | $7,416.00 | $589,000 Land $356,900 Building $232,100 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Feb 1978 · tidal / storm surge |
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 98% of the US · lower than 96% 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 | 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 418 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 |
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