3 Locust St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 3 Locust St, Reading, MA 01867 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,757 sqft · built 1975
Lot Size	0.249 acres (10,851 sqft)
Owner	2 Individual Names on File
Last Sale	$630,000 (Feb 2021)
Tax Bill	$8,183 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:028.0-0000-0035.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:028.0-0000-0035.0`
Alternative APNs	`M:028.0=0000=0035.0` `1030000000410` `1030000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,757 sqft Living Area
Gross Area	2,307 sqft
Basement Area	1,075 sqft
Unfinished Basement	430 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,851 sqft (0.249 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1030000000410
Street Address	3 LOCUST ST
City	READING
State	MA
Zip	01867-2153
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	2
Census Block	2002
Census Tract	334300

Owner

Source: Middlesex County and Reading Town records · APN READ M:028.0-0000-0035.0

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	3 LOCUST ST, READING, MA 01867-2153
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 26, 2021 · Amount on Record
Deed Sale	Feb 26, 2021 · Amount on Record
Prior Sale	Jul 31, 2002 · Amount on Record
Deed Document Number	202143634
Deed Book / Page	77076 / 363
Record Updated	Sep 20, 2026

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Feb 26, 2021
Property Address	3 LOCUST ST, READING, MA 01867-2153
Document Number	077076-363
Book / Page	77076 / 363
Instrument Date	Feb 22, 2021
Instrument	43634
Transaction Type	Transfer
Record Updated	Jan 09, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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 LOCUST ST, READING, MA 01867-2153

Mortgage

Document Number	0000043635
Date	Feb 26, 2021
Instrument	43635

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,183.00 (-1.14%)	$718,400 (+1.73%) Land $450,800 Building $267,600	$768,930 (+2.81%)
2024	$8,277.00 (-1.19%)	$706,200 (+6.13%) Land $443,100 Building $263,100	$747,935
2023	$8,377.00	$665,400 Land $417,500 Building $247,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.