295 Main St, Apt 15, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 295 Main St, Apt 15, Reading, MA 01867

Property Summary

Property Type	Condominium
Details	1 bd · 1 ba · 611 sqft · built 1969
Lot Size	1.91 acres (83,313 sqft)
Owner	Individual Name on File
Last Sale	$336,000 (Jun 2026)
Tax Bill	$3,244 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit Jun 2026 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:012.0-0718-0044.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:012.0-0718-0044.0`
Alternative APNs	`M:012.0=0718=0044.0` `270000009150` `270000009`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Units	30 Units
Building Area	611 sqft Living Area

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Condo/Apartment
Exterior Material	Brick
Construction Type	Frame
Roof Type	Flat
Roof Material	Other
Lot Area	83,313 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	270000009150
Street Address	295 MAIN ST, 15
City	READING
State	MA
Zip	01867-3615
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	A40
Legal Subdivision	AVON HOUSE
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	3
Census Block	3003
Census Tract	334400

Owner

295 Main St, Apt 15 is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	295 MAIN ST, 15, READING, MA 01867-3615
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Jul 11, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 10, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GUARANTEED RATE, INC
Jun 10, 2026	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE, INC
Apr 9, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2026 · Amount on File
Deed Sale	Jun 10, 2026 · Amount on File
Prior Sale	Apr 9, 2020 · Amount on File
Deed Document Number	202669052
Deed Book / Page	85718 / 563
Prior Transfer Date	Mar 31, 2020
Prior Transfer Doc	74440-490
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	295 MAIN ST APT 15, 15, READING, MA 01867-3615
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080409-174
Date	Jul 11, 2022
Book Page	80409/174
Instrument	104773

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Recording Date	Jun 10, 2026
Property Address	295 MAIN ST, 15, READING, MA 01867-3615
Document Number	0000069054
Book / Page	85719 / 1
Instrument Date	Jun 10, 2026
Instrument	202669054
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 MAIN ST, 15, READING, MA 01867-3615

Mortgage

Document Number	00085719-1,
Date	Jun 10, 2026
Book Page	85719/1
Instrument	202669054

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jun 10, 2026
Property Address	295 MAIN ST, 15, READING, MA 01867-3615
Document Number	0000069052
Book / Page	85718 / 563
Instrument Date	Jun 2, 2026
Instrument	202669052
Transaction Type	Transfer
Record Updated	Jul 1, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 MAIN ST, 15, READING, MA 01867-3615

Mortgage

Date	Jun 10, 2026

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Apr 9, 2020
Property Address	295 MAIN ST APT 15, 15, READING, MA 01867-3615
Document Number	74440-490
Book / Page	74440 / 490
Instrument Date	Mar 31, 2020
Instrument	52803
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 MAIN ST APT 15, 15, READING, MA 01867-3615

Mortgage

Document Number	52804
Date	Apr 9, 2020
Instrument	52804

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 295 Main St, Apt 15 was $3,244, down 1.3% 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	$3,244.00 (-1.31%)	$296,000 (+2.56%) Building $296,000	$314,854 (-2.09%)
2025	$3,287.00 (+1.86%)	$288,600 (+4.83%) Building $288,600	$321,575 (+6.75%)
2024	$3,227.00 (+8.25%)	$275,300 (+16.26%) Building $275,300	$301,245
2023	$2,981.00	$236,800 Building $236,800

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

Flood

FEMA maps place 295 Main St, Apt 15 in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

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	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

The area around 295 Main St, Apt 15 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 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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