Middlesex County and Reading Town property record for 28 Joseph Way, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,286 sqft · built 1957 |
| Lot Size | 0.349 acres (15,194 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $763,000 (Jun 2017) |
| Tax Bill | $11,744 (2026) |
| Deeds & Mortgages | May 2021 Refinance May 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:044.0-0000-0050.0 |
| Primary APN | READ M:044.0-0000-0050.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,286 sqft Living Area |
| Gross Area | 4,084 sqft |
| Basement Area | 1,093 sqft |
| Unfinished Basement | 984 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,194 sqft (0.349 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 1910000000030 |
|---|---|
| Street Address | 28 JOSEPH WAY |
| City | READING |
| State | MA |
| Zip | 01867-1038 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S20 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 334300 |
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 | 28 JOSEPH WAY, READING, MA 01867-1038 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ONTO MORTGAGE |
| May 14, 2021 | Quit Claim Deed, Transfer · Stand-Alone Refinance ONTO MORTGAGE |
| Nov 10, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance STEARNS LENDING INC |
| Sep 30, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance MSA LENDING LLC |
| Jun 30, 2017 | Quit Claim Deed, Transfer SALEM FIVE MTG CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2017 · Amount on Record |
| Deed Sale | Jun 30, 2017 · Amount on Record |
| Prior Sale | Jan 15, 1987 · Amount on Record |
| Deed Book / Page | 69540 / 102 |
| Last Transfer Date | May 10, 2021 |
| Transfer Doc | 0077771-48 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 28 JOSEPH WAY, READING, MA 01867-1038 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0077771-51 |
|---|---|
| Date | May 14, 2021 |
| Book Page | 77771/51 |
| Instrument | 109877 |
| Name | ONTO MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | May 14, 2021 |
| Property Address | 28 JOSEPH WAY, READING, MA 01867-1038 |
| Document Number | 0077771-48 |
| Book / Page | 77771 / 48 |
| Instrument Date | May 10, 2021 |
| Instrument | 109876 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28 JOSEPH WAY, READING, MA 01867-1038 |
| Document Number | 0000109877 |
|---|---|
| Date | May 14, 2021 |
| Instrument | 109877 |
| Name | ONTO MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 28 JOSEPH WAY, READING, MA 01867-1038 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76127-169 |
|---|---|
| Date | Nov 10, 2020 |
| Book Page | 76127/169 |
| Instrument | 209386 |
| Name | STEARNS LENDING INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 28 JOSEPH WAY, READING, MA 01867-1038 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 73374-154 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 73374/154 |
| Instrument | 149455 |
| Name | MSA LENDING LLC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jun 30, 2017 |
| Property Address | 28 JOSEPH WAY, READING, MA 01867-1038 |
| Document Number | 69540-102 |
| Book / Page | 69540 / 102 |
| Instrument | 102085 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $81.58 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 28 JOSEPH WAY, READING, MA 01867-1038 |
| Document Number | 695400106 |
|---|---|
| Date | Jun 30, 2017 |
| Instrument | 69540/0106 |
| Name | SALEM FIVE MTG CO |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Jun 30, 2047 |
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 | $11,744.00 (+1.53%) | $1,071,500 (+5.51%) Land $529,200 Building $541,700 | $1,110,603 (+2.37%) |
| 2025 | $11,567.00 (+1.16%) | $1,015,500 (+4.09%) Land $501,500 Building $514,000 | $1,084,900 (+1.76%) |
| 2024 | $11,434.00 (+3.24%) | $975,600 (+10.9%) Land $481,800 Building $493,800 | $1,066,090 |
| 2023 | $11,075.00 | $879,700 Land $434,400 Building $445,300 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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.
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.
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 144 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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