Middlesex County and North Reading Town property record for 28 Valley Rd, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,212 sqft · built 2003 |
| Lot Size | 0.66 acres (28,732 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $700,000 (Dec 2010) |
| Tax Bill | $14,789 (2026) |
| Deeds & Mortgages | Feb 2021 Transfer Oct 2016 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:26-P:125 |
| Primary APN | M:26-P:125 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,212 sqft Living Area |
| Gross Area | 1,614 sqft |
| 1st Floor Area | 1,614 sqft |
| Basement Area | 1,614 sqft |
| Unfinished Basement | 1,614 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 28,732 sqft (0.66 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 28 VALLEY RD |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-1702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 125.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 330201 |
Source: Middlesex County and North Reading Town records, as of October 20, 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 Company Names on Record |
|---|---|
| Mailing Address | 28 VALLEY RD, NORTH READING, MA 01864-1702 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Feb 19, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Oct 25, 2016 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2010 · Amount on Record |
| Deed Sale | Dec 29, 2010 · Amount on Record |
| Prior Sale | Aug 21, 2006 · Amount on Record |
| Deed Book / Page | 1394 / 99 |
| Last Transfer Date | Dec 15, 2020 |
| Transfer Doc | 77008-131 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Feb 19, 2021 |
| Property Address | 28 VALLEY RD, NORTH READING, MA 01864-1702 |
| Document Number | 77008-131 |
| Book / Page | 77008 / 131 |
| Instrument Date | Dec 15, 2020 |
| Instrument | 37643 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28 VALLEY RD, NORTH READING, MA 01864-1702 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 28 VALLEY RD, NORTH READING, MA 01864-1702 |
| Document Number | 68999-155 |
| Book / Page | 068999 / 000155 |
| Instrument Date | Oct 25, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 68999-155 |
|---|---|
| Date | Mar 10, 2017 |
| Book Page | 068999/000155 |
| Instrument | 37230 |
| Name | FINANCE AMERICA |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 9, 2032 |
Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $14,789.00 (+3.34%) | $1,135,900 (+3.66%) Land $515,200 Building $620,700 | $1,275,007 |
| 2025 | $14,311.00 (+3.19%) | $1,095,800 (+4.38%) Land $488,900 Building $606,900 | |
| 2024 | $13,868.00 (+1.89%) | $1,049,800 (+7.9%) Land $442,900 Building $606,900 | |
| 2023 | $13,611.00 | $972,900 Land $430,300 Building $542,600 |
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 | 8 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 94% of the US · lower than 88% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000 |
|---|---|
| Water Source | Purchased surface water from ANDOVER WATER DEPT |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2020 |
|---|---|
| Treatment and Procedure | Coliform assessment Aug 2019 |
| Monitoring and Reporting | 1 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 143 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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