Middlesex County and Reading Town property record for 294 Charles St, Reading, MA 01867
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 2,826 sqft · built 1922 |
| Lot Size | 0.7 acres (30,505 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $770,000 (Jun 2019) |
| Tax Bill | $11,151 (2025) |
| Deeds & Mortgages | Jul 2017 Mortgage Feb 2019 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:034.0-0000-0208.0 |
| Primary APN | READ M:034.0-0000-0208.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,826 sqft Living Area |
| Gross Area | 5,171 sqft |
| Basement Area | 1,824 sqft |
| Unfinished Basement | 1,824 sqft |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 30,505 sqft (0.7 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1620000000030 |
|---|---|
| Street Address | 294 CHARLES ST |
| City | READING |
| State | MA |
| Zip | 01867-1804 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| 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 April 14, 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 | 294 CHARLES ST, READING, MA 01867-1804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 6, 2017 | Deed of Trust, Mortgage BAYCOAST MORTGAGE CO |
| Feb 26, 2019 | Deed of Trust, Mortgage · Line of Credit BAYCOAST BANK |
| Jun 17, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA |
| Feb 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance RESIDENTIAL MORTGAGE SERVICES |
| Jun 27, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2019 · Amount on Record |
| Deed Sale | Jun 27, 2019 · Amount on Record |
| Prior Sale | Aug 1, 2002 · Amount on Record |
| Deed Document Number | 201990331 |
| Deed Book / Page | 72840 / 85 |
| Transfer Doc | 68167-419 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 294 CHARLES ST, READING, MA 01867-1804 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 69563-143 |
|---|---|
| Date | Jul 6, 2017 |
| Book Page | 69563/143 |
| Instrument | 104835 |
| Name | BAYCOAST MORTGAGE CO |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 294 CHARLES ST, READING, MA 01867-1804 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 72263-406 |
|---|---|
| Date | Feb 26, 2019 |
| Book Page | 72263/406 |
| Instrument | 23158 |
| Name | BAYCOAST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 294 CHARLES ST, READING, MA 01867-1804 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74904-142 |
|---|---|
| Date | Jun 17, 2020 |
| Book Page | 74904/142 |
| Instrument | 94309 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 294 CHARLES ST, READING, MA 01867-1804 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76981-456 |
|---|---|
| Date | Feb 17, 2021 |
| Book Page | 76981/456 |
| Instrument | 35453 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jun 27, 2019 |
| Property Address | 294 CHARLES ST, READING, MA 01867-1804 |
| Document Number | 72840-85 |
| Book / Page | 72840 / 85 |
| Instrument Date | Jun 25, 2019 |
| Instrument | 90331 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 294 CHARLES ST, READING, MA 01867-1804 |
| Document Number | 90332 |
|---|---|
| Date | Jun 27, 2019 |
| Instrument | 90332 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 |
|---|---|---|
| 2025 | $11,151.00 (+0.23%) | $979,000 (+3.14%) Land $528,500 Building $450,500 |
| 2024 | $11,125.00 (+6.86%) | $949,200 (+14.79%) Land $512,400 Building $436,800 |
| 2023 | $10,411.00 | $826,900 Land $446,400 Building $380,500 |
Assessed value is set for property tax purposes and is not a market price estimate.
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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