Middlesex County and Reading Town property record for 25 Cross St, Reading, MA 01867 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1970 |
| Square Footage | 2,282 sqft Living Area |
| Lot Size | 10,576 sqft (0.243 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $47,900 (1974) |
| Tax Bill | $8,544.00 (2025) |
| Primary APN | READ M:012.0-0000-0005.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 2,282 sqft Living Area |
| Gross Area | 3,054 sqft Gross Area |
| Basement Area | 1,222 sqft Basement |
| Unfinished Basement | 244 sqft Unfinished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Split Foyer Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 10,576 sqft (0.243 acres) |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Account Number | 200000000240 |
|---|---|
| Street Address | 25 CROSS ST |
| City | READING |
| State | MA |
| Zip | 01867-3637 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Jurisdiction | READING MA |
| Minor Civil Division | READING |
| Census Blockgroup | 3 |
| Census Block | 3005 |
| Census Tract | 334400 |
Source: Middlesex County and Reading Town records · APN READ M:012.0-0000-0005.0
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 25 CROSS ST, READING, MA 01867-3637 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 01, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Apr 05, 2023 | Quit Claim Deed, Transfer Quitclaim Document |
| Mar 20, 2018 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 25, 1974 · Amount on Record |
| Deed Sale | Jun 25, 1974 · Amount on Record |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Apr 01, 2026 |
| Property Address | 25 CROSS ST, READING, MA 01867-3637 |
| Document Number | 085415-318 |
| Book / Page | 85415 / 318 |
| Instrument Date | Mar 20, 2026 |
| Instrument | 202635605 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 25 CROSS ST, READING, MA 01867-3637 |
| Document Number | 0000035605, |
|---|---|
| Date | Apr 01, 2026 |
| Book Page | 85415/318 |
| Instrument | 202635605 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Apr 05, 2023 |
| Property Address | 25 CROSS ST, READING, MA 01867-3637 |
| Document Number | 081400-417 |
| Book / Page | 81400 / 417 |
| Instrument Date | Apr 04, 2023 |
| Instrument | 34085 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 25 CROSS ST, READING, MA 01867-3637 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 25 CROSS ST, READING, MA 01867-3637 |
| Document Number | 70861-534 |
| Instrument Date | Mar 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 01, 2018 |
| Name | Verified Name |
|---|
| Document Number | 70861-534 |
|---|---|
| Date | Apr 12, 2018 |
| Book Page | 070861/000534 |
| Instrument | 49847 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,544.00 (+3.03%) | $750,100 (+6.01%) Land $403,300 Building $346,800 | $926,630 (+9.17%) |
| 2024 | $8,293.00 (-2.3%) | $707,600 (+4.95%) Land $380,200 Building $327,400 | $848,825 |
| 2023 | $8,488.00 | $674,200 Land $362,100 Building $312,100 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Wildfire Risk | Low above 3% of the US · above 6% of Massachusetts |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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