28 Cumberland Rd, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 28 Cumberland Rd, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,880 sqft · built 1964
Lot Size	0.248 acres (10,799 sqft)
Owner	2 Trust Names on Record
Last Sale	$1,175,000 (Sep 2025)
Tax Bill	$10,307 (2026)
Deeds & Mortgages	Sep 2026 Transfer Aug 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:011.0-0000-0146.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:011.0-0000-0146.0`
Alternative APNs	`M:011.0=0000=0146.0` `340000000140` `340000000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,880 sqft Living Area
Gross Area	3,434 sqft
Basement Area	1,612 sqft
Unfinished Basement	1,370 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1980
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,799 sqft (0.248 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	340000000140
Street Address	28 CUMBERLAND RD
City	READING
State	MA
Zip	01867-3411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	1
Census Block	1024
Census Tract	334100

Owner

Source: Middlesex County and Reading Town records, as of October 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on Record
Mailing Address	28 CUMBERLAND RD, READING, MA 01867-3411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Quit Claim Deed, Transfer Quitclaim
Aug 4, 2026	Deed of Trust, Mortgage
Sep 11, 2025	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2025 · Amount on Record
Deed Sale	Sep 11, 2025 · Amount on Record
Prior Sale	Nov 30, 1983 · Amount on Record
Deed Document Number	2025109813
Deed Book / Page	84601 / 459
Last Transfer Date	Sep 29, 2026
Transfer Doc	0000123182
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Sep 29, 2026
Property Address	28 CUMBERLAND RD, READING, MA 01867-3411
Document Number	0000123182
Book / Page	86189 / 378
Instrument Date	Sep 29, 2026
Instrument	2026123182
Transaction Type	Transfer
Record Updated	Oct 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 CUMBERLAND RD, READING, MA 01867-3411

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Recording Date	Aug 4, 2026
Property Address	28 CUMBERLAND RD, READING, MA 01867-3411
Document Number	0000097714
Book / Page	85973 / 151
Instrument Date	Jul 30, 2026
Instrument	202697714
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 CUMBERLAND RD, READING, MA 01867-3411

Mortgage

Document Number	0000097714,
Date	Aug 4, 2026
Book Page	85973/151
Instrument	202697714

Lender

Agreement

Amount	Amount Recorded
Term	109 Months
Due	Sep 1, 2035

Interest

Max Rate	-1%

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Sep 11, 2025
Property Address	28 CUMBERLAND RD, READING, MA 01867-3411
Document Number	084601-459
Book / Page	84601 / 459
Instrument Date	Sep 11, 2025
Instrument	109813
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	28 CUMBERLAND RD, READING, MA 01867-3411

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	$10,307.00 (+1.53%)	$940,400 (+5.51%) Land $511,700 Building $428,700	$1,034,453 (+1.42%)
2025	$10,152.00 (+1.17%)	$891,300 (+4.1%) Land $485,000 Building $406,300	$1,019,920 (+6.61%)
2024	$10,035.00 (+3.26%)	$856,200 (+10.92%) Land $465,900 Building $390,300	$956,650
2023	$9,718.00	$771,900 Land $420,000 Building $351,900

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	3 (1979–1998)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 1998 · Heavy Rains And 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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