282 South St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 282 South St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,562 sqft · built 1949
Lot Size	0.251 acres (10,929 sqft)
Owner	2 Individual Names on File
Last Sale	$553,000 (Jun 2017)
Tax Bill	$8,667 (2026)
Deeds & Mortgages	Jun 2021 Refinance May 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10000000020B`

Property Details

APN / Parcel Number

Primary APN	`10000000020B`
Alternative APNs	`READ M:004.0-0000-0115.0` `M:004.0=0000=0115.0` `100000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,562 sqft Living Area
Gross Area	3,242 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1970
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,929 sqft (0.251 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	10000000020B
Street Address	282 SOUTH ST
City	READING
State	MA
Zip	01867-3939
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	1015
Census Tract	334100

Owner

282 South St is owned and occupied by two individuals who bought it in June 2017.

Source: Middlesex County and Reading Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	282 SOUTH ST, READING, MA 01867-3939
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
May 2, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jan 19, 2017	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
Aug 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jun 7, 2017	Quit Claim Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2017 · Amount on File
Deed Sale	Jun 7, 2017 · Amount on File
Prior Sale	Oct 30, 2014 · Amount on File
Deed Book / Page	69398 / 248
Transfer Doc	069398-248
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	282 SOUTH ST, READING, MA 01867-3939
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077965-287
Date	Jun 8, 2021
Book Page	77965/287
Instrument	129375

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	282 SOUTH ST, READING, MA 01867-3939
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080060-389
Date	May 2, 2022
Book Page	80060/389
Instrument	65151

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	282 SOUTH ST, READING, MA 01867-3939
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	68779-52
Date	Jan 19, 2017
Book Page	68779/52
Instrument	10222

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2037

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	282 SOUTH ST, READING, MA 01867-3939
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75407-128
Date	Aug 19, 2020
Book Page	75407/128
Instrument	141877

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jun 7, 2017
Property Address	282 SOUTH ST, READING, MA 01867-3939
Document Number	69398-248
Book / Page	069398 / 000248
Instrument Date	Jun 6, 2017
Instrument	85375
Transaction Type	Transfer
Record Updated	Jun 27, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,521.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	55 TEMPLE ST READING MA 018672831, READING, MA 01867-2831

Mortgage

Document Number	69398-251
Date	Jun 7, 2017
Book Page	069398/000251
Instrument	85376

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 6, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 282 South St was $8,667, up 1.5% from the year before.

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	$8,667.00 (+1.52%)	$790,800 (+5.51%) Land $512,200 Building $278,600	$802,453 (-4.94%)
2025	$8,537.00 (+1.17%)	$749,500 (+4.1%) Land $485,400 Building $264,100	$844,170 (+6.36%)
2024	$8,438.00 (+3.24%)	$720,000 (+10.91%) Land $466,300 Building $253,700	$793,725
2023	$8,173.00	$649,200 Land $420,500 Building $228,700

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

Flood

FEMA maps place 282 South St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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

The area around 282 South St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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