28 Winter St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 28 Winter St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1955
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Trust Names on File
Last Sale	$549,900 (Nov 2020)
Tax Bill	$8,759 (2026)
Deeds & Mortgages	Jan 2024 Transfer May 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:24-P:026`

Property Details

APN / Parcel Number

Primary APN	`M:24-P:026`
Alternative APN	`NREA M:024.0 B:0000 L:0026.0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Attached
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	28 WINTER ST
City	NORTH READING
State	MA
Zip	01864-2203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	26.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1014
Census Tract	330201

Owner

28 Winter St is owner-occupied and held in a trust since January 2024.

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 Trust Names on File
Mailing Address	28 WINTER ST, NORTH READING, MA 01864-2203
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2024	Quit Claim Deed, Transfer Quitclaim
May 31, 2023	Quit Claim Deed, Transfer Quitclaim
Sep 17, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHBRIDGE TEWKSBURY
Nov 20, 2020	Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Nov 12, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2020 · Amount on File
Deed Sale	Nov 20, 2020 · Amount on File
Prior Sale	Nov 12, 2019 · Amount on File
Deed Document Number	2020219318
Deed Book / Page	76226 / 77
Last Transfer Date	Jan 11, 2024
Transfer Doc	082409-314
Record Updated	Oct 29, 2026

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Jan 19, 2024
Property Address	28 WINTER ST, NORTH READING, MA 01864-2203
Document Number	082409-314
Book / Page	82409 / 314
Instrument Date	Jan 11, 2024
Instrument	5994
Transaction Type	Transfer
Record Updated	Feb 2, 2024

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 WINTER ST, NORTH READING, MA 01864-2203

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	May 31, 2023
Property Address	28 WINTER ST, NORTH READING, MA 01864-2203
Document Number	0081591-46
Book / Page	81591 / 46
Instrument Date	May 26, 2023
Instrument	56373
Transaction Type	Transfer
Record Updated	Jun 16, 2023

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 WINTER ST, NORTH READING, MA 01864-2203

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	28 WINTER ST, NORTH READING, MA 01864-2203
Transaction Type	Mortgage
Record Updated	Jun 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73290-124
Date	Sep 17, 2019
Book Page	73290/124
Instrument	140828

Lender

Name	NORTHBRIDGE TEWKSBURY

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Nov 20, 2020
Property Address	28 WINTER ST, NORTH READING, MA 01864-2203
Document Number	76226-77
Book / Page	76226 / 77
Instrument Date	Nov 19, 2020
Instrument	219318
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Address	28 WINTER ST, NORTH READING, MA 01864-2203

Mortgage

Document Number	219319
Date	Nov 20, 2020
Instrument	219319

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Nov 12, 2019
Property Address	28 WINTER ST, NORTH READING, MA 01864-2203
Document Number	73631-509
Book / Page	073631 / 000509
Instrument Date	Oct 24, 2019
Instrument	176369
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,436.40
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	404 PARK ST NORTH READING MA 018642135, NORTH READING, MA 01864-2135

Tax Assessment & Valuation

The 2026 property tax bill for 28 Winter St was $8,759, up 2.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,759.00 (+2.16%)	$672,700 (+2.47%) Land $429,600 Building $243,100	$683,634
2025	$8,574.00 (+2.57%)	$656,500 (+3.75%) Land $413,100 Building $243,400
2024	$8,359.00 (+7.72%)	$632,800 (+14.08%) Land $389,400 Building $243,400
2023	$7,760.00	$554,700 Land $358,100 Building $196,600

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

Flood

FEMA maps place 28 Winter St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
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.

Wildfire

Wildfire risk around 28 Winter St is low, with less than a 0.01% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 136 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

May also be available: T-Mobile.

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