3 Balsam Rd, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 3 Balsam Rd, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,299 sqft · built 1962
Lot Size	0.232 acres (10,119 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Mar 2000)
Tax Bill	$10,182 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Dec 2023 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:007.0-0000-0142.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:007.0-0000-0142.0`
Alternative APNs	`M:007.0=0000=0142.0` `160000000190` `160000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,299 sqft Living Area
Gross Area	2,624 sqft
Basement Area	1,300 sqft
Unfinished Basement	325 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1975
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,119 sqft (0.232 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	160000000190
Street Address	3 BALSAM RD
City	READING
State	MA
Zip	01867-3835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	5
Census Block	5013
Census Tract	334100

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	3 BALSAM RD, READING, MA 01867-3835
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2022	Deed of Trust, Mortgage · ARM JEANNE D ARC CU
Dec 1, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK
Oct 11, 2019	Deed of Trust, Mortgage · Line of Credit FALL RIVER FIVE CENTS SVGS BK
Feb 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage JEANNE D'ARC CU
Feb 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage JEANNE D'ARC CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2000 · Amount on Record
Deed Sale	Mar 31, 2000 · Amount on Record
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	3 BALSAM RD, READING, MA 01867-3835
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001927273
Date	Nov 17, 2022
Instrument	1927273

Lender

Name	JEANNE D ARC CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.13%
Type Change Date	Dec 1, 2029
Index	1-Year CMT

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	3 BALSAM RD, READING, MA 01867-3835
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001948382
Date	Dec 1, 2023
Instrument	1948382

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2044

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	3 BALSAM RD, READING, MA 01867-3835
Document Number	0000026793
Instrument Date	Oct 11, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 BALSAM RD READING MA 018673835, READING, MA 01867-3835

Mortgage

Document Number	0000026793
Date	Oct 25, 2019
Instrument	26793

Lender

Name	FALL RIVER FIVE CENTS SVGS BK
Type	Federal Savings Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 24, 2039

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	3 BALSAM RD, READING, MA 01867-3835
Document Number	0001753922
Instrument Date	Feb 8, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0001753922
Date	Feb 14, 2017
Instrument	1753922

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.63%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	3 BALSAM RD, READING, MA 01867-3835
Document Number	0001753923
Instrument Date	Feb 8, 2017
Transaction Type	Mortgage
Record Updated	Mar 7, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0001753923
Date	Feb 14, 2017
Instrument	1753923

Lender

Name	JEANNE D'ARC CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Feb 13, 2042

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	$10,182.00 (+0.92%)	$929,000 (+4.88%) Land $579,100 Building $348,400	$880,943 (+6.53%)
2025	$10,089.00 (-1.22%)	$885,800 (+1.64%) Land $552,100 Building $333,700	$826,975 (+0.32%)
2024	$10,214.00 (+6.24%)	$871,500 (+14.13%) Land $543,200 Building $328,300	$824,315
2023	$9,614.00	$763,600 Land $475,800 Building $287,800

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

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 425 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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