Middlesex County and Reading Town property record for 28 Oak St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,848 sqft · built 1900 |
| Lot Size | 0.421 acres (18,352 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $405,000 (Aug 2015) |
| Tax Bill | $10,488 (2026) |
| Deeds & Mortgages | Feb 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:011.0-0000-0025.0 |
| Primary APN | READ M:011.0-0000-0025.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,848 sqft Living Area |
| Gross Area | 3,914 sqft |
| Basement Area | 918 sqft |
| Unfinished Basement | 918 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,352 sqft (0.421 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 250000000090 |
|---|---|
| Street Address | 28 OAK ST |
| City | READING |
| State | MA |
| Zip | 01867-3403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 5 |
| Census Block | 5003 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 28 OAK ST, READING, MA 01867-3403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2015 · Amount on Record |
| Deed Sale | Aug 14, 2015 · Amount on Record |
| Deed Book / Page | 65918 / 451 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 28 OAK ST, READING, MA 01867-3403 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 077005-221 |
|---|---|
| Date | Feb 19, 2021 |
| Book Page | 77005/221 |
| Instrument | 37321 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2036 |
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 | $10,488.00 (+1.5%) | $956,900 (+5.48%) Land $514,700 Building $436,900 | $963,794 (+0.8%) |
| 2025 | $10,333.00 (+1.16%) | $907,200 (+4.08%) Land $487,800 Building $419,400 | $956,175 (+4.47%) |
| 2024 | $10,215.00 (+3.17%) | $871,600 (+10.83%) Land $468,600 Building $403,000 | $915,230 |
| 2023 | $9,901.00 | $786,400 Land $422,500 Building $363,900 |
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 | 3 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 | Low lower than 97% of the US · lower than 94% 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 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 |
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