Middlesex County and Reading Town property record for 295 Franklin St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,050 sqft · built 1968 |
| Lot Size | 0.462 acres (20,112 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $815,000 (Jun 2023) |
| Tax Bill | $9,197 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Jul 2023 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:051.0-0000-0001.0 |
| Primary APN | READ M:051.0-0000-0001.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,050 sqft Living Area |
| Gross Area | 2,994 sqft |
| Basement Area | 1,352 sqft |
| Unfinished Basement | 744 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Split Level |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,112 sqft (0.462 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 2060000000140 |
|---|---|
| Street Address | 295 FRANKLIN ST |
| City | READING |
| State | MA |
| Zip | 01867-1032 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S20 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 334300 |
Source: Middlesex County and Reading Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 295 FRANKLIN ST, READING, MA 01867-1032 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 16, 2025 | Deed of Trust, Mortgage MICHAEL FAZIO |
| Jul 13, 2023 | Quit Claim Deed, Transfer · Stand-Alone Refinance MICHAEL FAZIO |
| Jun 30, 2023 | Quit Claim Deed, Transfer |
| Oct 13, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2023 · Amount on Record |
| Deed Sale | Jun 30, 2023 · Amount on Record |
| Prior Sale | Oct 13, 2020 · Amount on Record |
| Deed Document Number | 202372104 |
| Deed Book / Page | 81726 / 225 |
| Last Transfer Date | Jul 11, 2023 |
| Transfer Doc | 0081763-49 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 295 FRANKLIN ST, READING, MA 01867-1032 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2025 |
| Name | Verified Name |
|---|
| Document Number | 084746-408 |
|---|---|
| Date | Oct 16, 2025 |
| Book Page | 84746/408 |
| Instrument | 125926 |
| Name | MICHAEL FAZIO |
|---|
| Amount | Amount Recorded |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jul 13, 2023 |
| Property Address | 295 FRANKLIN ST, READING, MA 01867-1032 |
| Document Number | 0081763-49 |
| Book / Page | 81763 / 49 |
| Instrument Date | Jul 11, 2023 |
| Instrument | 76569 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 295 FRANKLIN ST, READING, MA 01867-1032 |
| Document Number | 0081763-52 |
|---|---|
| Date | Jul 13, 2023 |
| Book Page | 81763/52 |
| Instrument | 76570 |
| Name | MICHAEL FAZIO |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jun 30, 2023 |
| Property Address | 295 FRANKLIN ST, READING, MA 01867-1032 |
| Document Number | 081726-225 |
| Book / Page | 81726 / 225 |
| Instrument Date | Jun 8, 2023 |
| Instrument | 72104 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 50 LIBERTY DR # STE, BOSTON, MA 02210-1365 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Oct 13, 2020 |
| Property Address | 295 FRANKLIN ST, READING, MA 01867-1032 |
| Document Number | 75859-440 |
| Book / Page | 75859 / 440 |
| Instrument Date | Oct 6, 2020 |
| Instrument | 184268 |
| 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 |
|---|---|
| Relationship | Joint Tenants |
| Address | 295 FRANKLIN ST, READING, MA 01867-1032 |
| Document Number | 184269 |
|---|---|
| Date | Oct 13, 2020 |
| Instrument | 184269 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| 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 | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,197.00 (-6.58%) | $807,500 (-3.87%) Land $491,400 Building $316,100 | $891,005 (+3.26%) |
| 2024 | $9,845.00 (+6.65%) | $840,000 (+14.57%) Land $476,500 Building $363,500 | $862,885 |
| 2023 | $9,231.00 | $733,200 Land $415,100 Building $318,100 |
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 |
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 | None beyond 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 200 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 |
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