3 Carriage Ln, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 3 Carriage Ln, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,087 sqft · built 1989
Lot Size	0.865 acres (37,692 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,000,000 (Dec 2017)
Tax Bill	$16,819 (2026)
Deeds & Mortgages	Mar 2021 Refinance Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`183A000001`

Property Details

APN / Parcel Number

Primary APN	`183A000001`
Alternative APNs	`READ M:046.0-0000-0051.0` `M:046.0=0000=0051.0` `183A000001100`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,087 sqft Living Area
Gross Area	8,966 sqft
1st Floor Area	1,050 sqft
Basement Area	2,478 sqft
Unfinished Basement	2,478 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	37,692 sqft (0.865 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	183A000001100
Street Address	3 CARRIAGE LN
City	READING
State	MA
Zip	01867-1373
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	1
Census Block	1012
Census Tract	334300

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 CARRIAGE LN, READING, MA 01867-1373
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WAKEFIELD COOPERATIVE BANK
Dec 18, 2017	Quit Claim Deed, Transfer WAKEFIELD COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2017 · Amount on Record
Deed Sale	Dec 18, 2017 · Amount on Record
Deed Book / Page	70400 / 407
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	3 CARRIAGE LN, READING, MA 01867-1373
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077218-463
Date	Mar 15, 2021
Book Page	77218/463
Instrument	56570

Lender

Name	WAKEFIELD COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2046

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Dec 18, 2017
Property Address	3 CARRIAGE LN, READING, MA 01867-1373
Document Number	70400-407
Book / Page	70400 / 407
Instrument	204720
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$139.05
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 CARRIAGE LN, READING, MA 01867-1373

Mortgage

Document Number	704000411
Date	Dec 18, 2017
Instrument	70400/0411

Lender

Name	WAKEFIELD COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	372 Months
Due	Dec 18, 2048

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	$16,819.00 (+0.85%)	$1,534,600 (+4.8%) Land $626,900 Building $907,700	$1,576,823 (+13.79%)
2025	$16,678.00 (-0.42%)	$1,464,300 (+2.46%) Land $598,200 Building $866,100	$1,385,670 (-0.33%)
2024	$16,749.00 (+7.14%)	$1,429,100 (+15.09%) Land $583,800 Building $845,300	$1,390,230
2023	$15,633.00	$1,241,700 Land $507,200 Building $734,500

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	1 in force
Nearby Flood Claims	2 (1982–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2010 · Severe Storms 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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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