25 Libby Ave, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 25 Libby Ave, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 4,138 sqft · built 2018
Lot Size	0.357 acres (15,533 sqft)
Owner	2 Individual Names on Record
Last Sale	$989,000 (Sep 2018)
Tax Bill	$14,782 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Sep 2018 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:023.0-0000-0173.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:023.0-0000-0173.0`
Alternative APNs	`M:023.0=0000=0173.0` `930000001400` `930000001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	3 Stories
Building Area	4,138 sqft Living Area
Gross Area	6,020 sqft
Basement Area	1,088 sqft
Unfinished Basement	544 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,533 sqft (0.357 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	930000001400
Street Address	25 LIBBY AVE
City	READING
State	MA
Zip	01867-1935
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	2
Census Block	2004
Census Tract	334400

Owner

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	2 Individual Names on Record
Mailing Address	25 LIBBY AVE, READING, MA 01867-1935
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · ARM WASHINGTON TRUST MORTGAGE CO
Sep 27, 2018	Quit Claim Deed, Transfer · ARM WASHINGTON TRUST MTG
May 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage LILLIAN MONTALTO
Jan 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage JACKSON LUMB & MILLWO
Nov 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage JANET L MITCHELL
Aug 15, 2017	Personal Representative Deed, Transfer JACKSON LUMB & MILLWO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2018 · Amount on Record
Deed Sale	Sep 27, 2018 · Amount on Record
Prior Sale	Aug 15, 2017 · Amount on Record
Deed Book / Page	71674 / 527
Transfer Doc	071674-527
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	25 LIBBY AVE, READING, MA 01867-1935
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00077541-8
Date	Apr 16, 2021
Book Page	77541/8
Instrument	87070

Lender

Name	WASHINGTON TRUST MORTGAGE CO

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.63%
Type Change Date	May 1, 2031
Index	1-Year CMT
Margin	3

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Sep 27, 2018
Property Address	25 LIBBY AVE, READING, MA 01867-1935
Document Number	71674-527
Book / Page	71674 / 527
Instrument	149467
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$54.36
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	716740531
Date	Sep 27, 2018
Instrument	71674/0531

Lender

Name	WASHINGTON TRUST MTG

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 27, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Max Rate At Change	0.12%
Max Rate	2.25%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	25 LIBBY AVE, READING, MA 01867-1935
Document Number	70990-534
Instrument Date	May 9, 2018
Transaction Type	Mortgage
Record Updated	May 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	25 LIBBY AVE READING MA 018671935, READING, MA 01867-1935

Mortgage

Document Number	70990-534
Date	May 10, 2018
Book Page	070990/000534
Instrument	65581

Lender

Name	LILLIAN MONTALTO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	25 LIBBY AVE, READING, MA 01867-1935
Document Number	70566-409
Book / Page	070566 / 000409
Instrument Date	Jan 29, 2018
Transaction Type	Mortgage
Record Updated	Feb 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	70566-409
Date	Jan 29, 2018
Book Page	070566/000409
Instrument	13627

Lender

Name	JACKSON LUMB & MILLWO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	25 LIBBY AVE, READING, MA 01867-1935
Document Number	70181-115
Book / Page	070181 / 000115
Instrument Date	Nov 1, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	70181-115
Date	Nov 2, 2017
Book Page	070181/000115
Instrument	9127

Lender

Name	JANET L MITCHELL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 1, 2018

August 2017: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	READING MA
Recording Date	Aug 15, 2017
Property Address	25 LIBBY AVE, READING, MA 01867-1935
Document Number	69777-149
Book / Page	069777 / 000149
Instrument Date	Aug 11, 2017
Instrument	130658
Transaction Type	Transfer
Record Updated	Sep 5, 2017

Transaction

Amount	Amount Recorded
Tax	$1,372.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	77 MAIN ST ANDOVER MA 018103845, ANDOVER, MA 01810-3845

Mortgage

Document Number	69777-152
Date	Aug 15, 2017
Book Page	069777/000152
Instrument	130659

Lender

Name	JACKSON LUMB & MILLWO

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Reading Town
Unified School District	Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,782.00 (+2.08%)	$1,348,700 (+6.08%) Land $444,500 Building $895,500	$1,508,977 (+1%)
2025	$14,481.00 (+3.03%)	$1,271,400 (+6.02%) Land $418,900 Building $852,500	$1,371,800 (+3.22%)
2024	$14,055.00 (+3.59%)	$1,199,200 (+11.27%) Land $394,900 Building $804,300	$1,329,050
2023	$13,568.00	$1,077,700 Land $376,100 Building $701,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearby Flood Claims	1 (1981)
Most Recent Claim	Feb 1981 · 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.

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
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 189 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: Astound Broadband, T-Mobile.

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