Middlesex County and Reading Town property record for 288 Charles St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,066 sqft · built 1947 |
| Lot Size | 0.354 acres (15,403 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $700,000 (Apr 2020) |
| Tax Bill | $10,616 (2026) |
| Deeds & Mortgages | Apr 2025 Line of Credit Jun 2025 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:034.0-0000-0209.0 |
| Primary APN | READ M:034.0-0000-0209.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,066 sqft Living Area |
| Gross Area | 3,168 sqft |
| Basement Area | 504 sqft |
| Unfinished Basement | 504 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,403 sqft (0.354 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1620000000040 |
|---|---|
| Street Address | 288 CHARLES ST |
| City | READING |
| State | MA |
| Zip | 01867-1804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S20 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1013 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 288 CHARLES ST, READING, MA 01867-1804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 23, 2025 | Deed of Trust, Mortgage · Line of Credit WORKERS CU |
| Jun 9, 2025 | Deed of Trust, Mortgage · Line of Credit WORKERS CU |
| Apr 7, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| May 9, 2017 | Quit Claim Deed, Transfer BERKSHIRE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 7, 2020 · Amount on Record |
| Deed Sale | Apr 7, 2020 · Amount on Record |
| Prior Sale | May 9, 2017 · Amount on Record |
| Deed Document Number | 202051230 |
| Deed Book / Page | 74424 / 475 |
| Prior Transfer Date | Apr 6, 2020 |
| Prior Transfer Doc | 74424-475 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 288 CHARLES ST, READING, MA 01867-1804 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 083997-555 |
|---|---|
| Date | Apr 23, 2025 |
| Book Page | 83997/555 |
| Instrument | 42120 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 288 CHARLES ST, READING, MA 01867-1804 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 084201-183 |
|---|---|
| Date | Jun 9, 2025 |
| Book Page | 84201/183 |
| Instrument | 64429 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 1, 2045 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Apr 7, 2020 |
| Property Address | 288 CHARLES ST, READING, MA 01867-1804 |
| Document Number | 74424-475 |
| Book / Page | 074424 / 000475 |
| Instrument Date | Apr 6, 2020 |
| Instrument | 51230 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,192.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 288 CHARLES ST READING MA 018671804, READING, MA 01867-1804 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | May 9, 2017 |
| Property Address | 288 CHARLES ST, READING, MA 01867-1804 |
| Document Number | 69254-379 |
| Book / Page | 69254 / 379 |
| Instrument | 68331 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $64.97 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 288 CHARLES ST, READING, MA 01867-1804 |
| Investor | Possibly a Property Investor |
| Document Number | 692540381 |
|---|---|
| Date | May 9, 2017 |
| Instrument | 69254/0381 |
| Name | BERKSHIRE BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 9, 2047 |
| Rate | 2.88% |
|---|---|
| Max Rate At Change | 60.1% |
| Max Rate | 3% |
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 | $10,616.00 (+3.51%) | $968,600 (+7.57%) Land $510,600 Building $456,800 | $1,043,260 (+18.03%) |
| 2025 | $10,256.00 (+0.21%) | $900,400 (+3.11%) Land $474,600 Building $425,800 | $883,880 (+1.68%) |
| 2024 | $10,234.00 (+6.85%) | $873,200 (+14.77%) Land $460,300 Building $412,900 | $869,250 |
| 2023 | $9,578.00 | $760,800 Land $400,900 Building $359,900 |
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 | 1 in force |
| Nearby Flood Claims | 2 (1982–2010) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Mar 2010 · Severe Storms 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect 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 211 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 |
| AT&T Fixed Wireless | 100 / 20 |
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