3 Lloyd Rd, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 3 Lloyd Rd, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,344 sqft · built 1966
Lot Size	0.459 acres (19,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$885,000 (Aug 2023)
Tax Bill	$12,068 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:33-P:105`

Property Details

APN / Parcel Number

Primary APN	`M:33-P:105`
Alternative APN	`NREA M:033.0 B:0000 L:0105.0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Unfinished Basement	917 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,998 sqft (0.459 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	3 LLOYD RD
City	NORTH READING
State	MA
Zip	01864-1801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	105.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	2
Census Block	2000
Census Tract	330102

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3 LLOYD RD, NORTH READING, MA 01864-1801
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE
Mar 23, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HANK REARDON RLTY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2023 · Amount on Record
Deed Sale	Aug 29, 2023 · Amount on Record
Prior Sale	Mar 23, 2023 · Amount on Record
Prior Transfer Date	Mar 22, 2023
Prior Transfer Doc	0001934185
Record Updated	Oct 29, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Aug 29, 2023
Property Address	3 LLOYD RD, NORTH READING, MA 01864-1801
Document Number	0001943341
Instrument Date	Aug 29, 2023
Instrument	1943341
Transaction Type	Transfer
Record Updated	Sep 15, 2023

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
Relationship	Tenants by the Entirety
Address	3 LLOYD RD, NORTH READING, MA 01864-1801

Mortgage

Document Number	0001943342
Date	Aug 29, 2023
Instrument	1943342

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Mar 23, 2023
Property Address	3 LLOYD RD, NORTH READING, MA 01864-1801
Document Number	0001934185
Instrument Date	Mar 22, 2023
Instrument	1934185
Transaction Type	Transfer
Record Updated	Apr 7, 2023

Transaction

Amount	Amount Recorded
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	3 ELMWOOD CIR, PEABODY, MA 01960-4805

Mortgage

Document Number	0001934187
Date	Mar 23, 2023
Instrument	1934187

Lender

Name	HANK REARDON RLTY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	North Reading Town
Unified School District	North Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,068.00 (+3.16%)	$926,900 (+3.48%) Land $422,700 Building $504,200	$841,937
2025	$11,698.00 (+3.14%)	$895,700 (+4.32%) Land $391,500 Building $504,200
2024	$11,342.00 (+47.38%)	$858,600 (+56.08%) Land $362,500 Building $496,100
2023	$7,696.00	$550,100 Land $350,800 Building $199,300

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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