290 Ash St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 290 Ash St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,649 sqft · built 1987
Lot Size	0.443 acres (19,310 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Jul 2017)
Tax Bill	$8,470 (2026)
Deeds & Mortgages	Oct 2026 Line of Credit Sep 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:012.0-0000-0091.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:012.0-0000-0091.0`
Alternative APNs	`M:012.0=0000=0091.0` `280000000220` `280000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,649 sqft Living Area
Gross Area	2,252 sqft
Basement Area	1,008 sqft
Unfinished Basement	403 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1990
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,310 sqft (0.443 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	280000000220
Street Address	290 ASH ST
City	READING
State	MA
Zip	01867-3625
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	3
Census Block	3001
Census Tract	334400

Owner

Source: Middlesex County and Reading Town records, as of October 21, 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	290 ASH ST, READING, MA 01867-3625
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK
Sep 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Sep 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jul 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Jul 6, 2017	Quit Claim Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2017 · Amount on Record
Deed Sale	Jul 6, 2017 · Amount on Record
Deed Document Number	2017104750
Deed Book / Page	69562 / 300
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Recording Date	Oct 2, 2026
Property Address	290 ASH ST, READING, MA 01867-3625
Document Number	0000125040
Book / Page	86206 / 67
Instrument Date	Aug 21, 2026
Instrument	2026125040
Transaction Type	Mortgage
Record Updated	Oct 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	290 ASH ST, READING, MA 01867-3625

Mortgage

Document Number	0000125040,
Date	Oct 2, 2026
Book Page	86206/67
Instrument	2026125040

Lender

Name	MIDDLESEX SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	290 ASH ST, READING, MA 01867-3625
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078807-320
Date	Sep 29, 2021
Book Page	78807/320
Instrument	215576

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	290 ASH ST, READING, MA 01867-3625
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78807-320
Date	Sep 29, 2021
Book Page	78807/320
Instrument	215576

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	290 ASH ST, READING, MA 01867-3625
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75232-557
Date	Jul 29, 2020
Book Page	75232/557
Instrument	124418

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jul 6, 2017
Property Address	290 ASH ST, READING, MA 01867-3625
Document Number	69562-300
Book / Page	069562 / 000300
Instrument Date	Jul 2, 2017
Instrument	104750
Transaction Type	Transfer
Record Updated	Jul 25, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,462.00
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	290 ASH ST READING MA 018673625, READING, MA 01867-3625

Mortgage

Document Number	69562-303
Date	Jul 6, 2017
Book Page	069562/000303
Instrument	104751

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2047

Tax Assessment & Valuation

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	$8,470.00 (-2.26%)	$772,800 (+1.58%) Land $430,900 Building $341,900	$760,644 (+0.96%)
2025	$8,666.00 (+1.18%)	$760,800 (+4.11%) Land $424,200 Building $336,600	$753,445 (+2.44%)
2024	$8,565.00 (+3.24%)	$730,800 (+10.91%) Land $407,500 Building $323,300	$735,490
2023	$8,296.00	$658,900 Land $367,400 Building $291,500

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

Flood

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1982–1996)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 1996 · Extreme Weather Conditons 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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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