295 Main St, Apt 5, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 295 Main St, Apt 5, Reading, MA 01867

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 728 sqft · built 1969
Lot Size	1.91 acres (83,313 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (May 2021)
Tax Bill	$3,477 (2026)
Deeds & Mortgages	Jan 2022 Refinance May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:012.0-0707-0044.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:012.0-0707-0044.0`
Alternative APNs	`M:012.0=0707=0044.0` `270000009050` `270000009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Units	30 Units
Building Area	728 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	270000009050
Street Address	295 MAIN ST, 5
City	READING
State	MA
Zip	01867-3614
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	A40
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	3
Census Block	3003
Census Tract	334400

Owner

Source: Middlesex County and Reading Town records, as of October 20, 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	295 MAIN ST, 5, READING, MA 01867-3614
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2022	Condominium Deed, Transfer · Stand-Alone Refinance METRO CU
May 14, 2021	Condominium Deed, Transfer · Stand-Alone First Mortgage EASTERN BANK
Jan 18, 2018	Quit Claim Deed, Transfer LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2021 · Amount on Record
Deed Sale	May 14, 2021 · Amount on Record
Prior Sale	Jan 18, 2018 · Amount on Record
Deed Book / Page	77780 / 390
Last Transfer Date	Jan 3, 2022
Transfer Doc	079473-279
Record Updated	Oct 29, 2026

January 2022: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	READING MA
Recording Date	Jan 3, 2022
Property Address	295 MAIN ST APT 5, 5, READING, MA 01867-3614
Document Number	079473-279
Book / Page	79473 / 279
Instrument Date	Jan 3, 2022
Instrument	591
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1 KERRIGAN WAY, WOBURN, MA 01801-4043

Mortgage

Document Number	0000000592
Date	Jan 3, 2022
Instrument	592

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

May 2021: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	READING MA
Recording Date	May 14, 2021
Property Address	295 MAIN ST APT 5, 5, READING, MA 01867-3614
Document Number	77780-390
Book / Page	77780 / 390
Instrument Date	May 14, 2021
Instrument	110799
Transaction Type	Transfer
Record Updated	May 28, 2021

Transaction

Amount	Amount Recorded
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 APT 5, 5, READING, MA 01867-3614

Mortgage

Document Number	110800
Date	May 14, 2021
Instrument	110800

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jan 18, 2018
Property Address	295 MAIN ST APT 5, 5, READING, MA 01867-3614
Document Number	70525-284
Book / Page	70525 / 284
Instrument	8287
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24.02
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 APT 5, 5, READING, MA 01867-3614

Mortgage

Document Number	705250286
Date	Jan 18, 2018
Instrument	70525/0286

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 18, 2033

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	$3,477.00 (-1.28%)	$317,200 (+2.59%) Building $317,200	$335,523 (-3.9%)
2025	$3,522.00 (+1.88%)	$309,200 (+4.81%) Building $309,200	$349,125 (+6.4%)
2024	$3,457.00 (+8.23%)	$295,000 (+16.28%) Building $295,000	$328,130
2023	$3,194.00	$253,700 Building $253,700

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
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	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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