295 Main St, Apt 4, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 295 Main St, Apt 4, Reading, MA 01867

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 782 sqft · built 1969
Lot Size	1.91 acres (83,313 sqft)
Owner	2 Individual Names on File
Last Sale	$243,000 (Nov 2018)
Tax Bill	$3,603 (2026)
Deeds & Mortgages	Nov 2018 Sale & Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:012.0-0706-0044.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:012.0-0706-0044.0`
Alternative APNs	`M:012.0=0706=0044.0` `270000009040` `270000009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Units	30 Units
Building Area	782 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

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	270000009040
Street Address	295 MAIN ST, 4
City	READING
State	MA
Zip	01867-3614
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 4 is owned and occupied by two individuals who bought it in November 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	295 MAIN ST, 4, READING, MA 01867-3614
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 20, 2018	Condominium Deed, Transfer · Conventional with PMI ROCKLAND TR
Mar 30, 2017	Deed of Trust, Mortgage CHRISTOPHER S MOYINHA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2018 · Amount on File
Deed Sale	Nov 20, 2018 · Amount on File
Prior Sale	Nov 9, 2015
Deed Book / Page	71913 / 355
Transfer Doc	071913-355
Record Updated	Oct 29, 2026

November 2018: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	READING MA
Recording Date	Nov 20, 2018
Property Address	295 MAIN ST APT 4, 4, READING, MA 01867-3614
Document Number	71913-355
Book / Page	071913 / 000355
Instrument Date	Nov 20, 2018
Instrument	8557
Transaction Type	Transfer
Record Updated	Dec 12, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,108.08
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	295 MAIN ST #4 READING MA 018673614, 4, READING, MA 01867-3614

Mortgage

Document Number	71913-358
Date	Nov 20, 2018
Book Page	071913/000358
Instrument	8558

Lender

Name	ROCKLAND TR

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2048

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	295 MAIN ST APT 4, 4, READING, MA 01867-3614
Document Number	69084-323
Book / Page	069084 / 000323
Instrument Date	Mar 30, 2017
Transaction Type	Mortgage
Record Updated	Apr 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69084-323
Date	Mar 31, 2017
Book Page	069084/000323
Instrument	47740

Lender

Name	CHRISTOPHER S MOYINHA

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 295 Main St, Apt 4 was $3,603, 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	$3,603.00 (-1.26%)	$328,700 (+2.59%) Building $328,700	$350,958 (-1.59%)
2025	$3,649.00 (+1.84%)	$320,400 (+4.81%) Building $320,400	$356,630 (+6.89%)
2024	$3,583.00 (+8.25%)	$305,700 (+16.28%) Building $305,700	$333,640
2023	$3,310.00	$262,900 Building $262,900

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 4 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 4 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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