Middlesex County and North Reading Town property record for 3 Judith Dr, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,168 sqft · built 1976 |
| Lot Size | 0.64 acres (27,878 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $785,000 (Jan 2026) |
| Tax Bill | $11,269 (2026) |
| Deeds & Mortgages | Sep 2022 Line of Credit Jan 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:85-P:042 |
| Primary APN | M:85-P:042 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,168 sqft Living Area |
| Gross Area | 1,496 sqft |
| 1st Floor Area | 2,168 sqft |
| Basement Area | 1,300 sqft |
| Unfinished Basement | 1,300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 27,878 sqft (0.64 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 3 JUDITH DR |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2925 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 42.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 330101 |
Source: Middlesex County and North 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 JUDITH DR, NORTH READING, MA 01864-2925 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 6, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jan 7, 2026 | Quit Claim Deed, Transfer MORGAN STANLEY PRIVATE BANK |
| Jun 28, 2019 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage NEW FED MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 7, 2026 · Amount on Record |
| Deed Sale | Jan 7, 2026 · Amount on Record |
| Prior Sale | Jun 28, 2019 · Amount on Record |
| Deed Book / Page | 85094 / 289 |
| Prior Transfer Date | Jan 6, 2026 |
| Prior Transfer Doc | 085094-289 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 3 JUDITH DR, NORTH READING, MA 01864-2925 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|
| Document Number | 080673-536 |
|---|---|
| Date | Sep 6, 2022 |
| Book Page | 80673/536 |
| Instrument | 135821 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Oct 1, 2062 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Jan 7, 2026 |
| Property Address | 3 JUDITH DR, NORTH READING, MA 01864-2925 |
| Document Number | 085094-289 |
| Book / Page | 85094 / 289 |
| Instrument Date | Jan 6, 2026 |
| Instrument | 1569 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3 JUDITH DR, NORTH READING, MA 01864-2925 |
| Document Number | 0000001570 |
|---|---|
| Date | Jan 7, 2026 |
| Instrument | 1570 |
| Name | MORGAN STANLEY PRIVATE BANK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Jun 28, 2019 |
| Property Address | 3 JUDITH DR, NORTH READING, MA 01864-2925 |
| Document Number | 72851-172 |
| Book / Page | 72851 / 172 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 91464 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 JUDITH DR, NORTH READING, MA 01864-2925 |
| Document Number | 91465 |
|---|---|
| Date | Jun 28, 2019 |
| Instrument | 91465 |
| Name | NEW FED MORTGAGE CORP |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $11,269.00 (+3.52%) | $865,500 (+3.84%) Land $432,300 Building $433,200 | $842,942 |
| 2025 | $10,886.00 (+7.78%) | $833,500 (+9.01%) Land $400,300 Building $433,200 | |
| 2024 | $10,100.00 (-2.11%) | $764,600 (+3.67%) Land $370,700 Building $393,900 | |
| 2023 | $10,318.00 | $737,500 Land $358,700 Building $378,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000 |
|---|---|
| Water Source | Purchased surface water from ANDOVER WATER DEPT |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2020 |
|---|---|
| Treatment and Procedure | Coliform assessment Aug 2019 |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 90 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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