Middlesex County and North Reading Town property record for 3 Putnam Rd, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,232 sqft · built 1960 |
| Lot Size | 0.459 acres (19,998 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $374,900 (Jan 2017) |
| Tax Bill | $19,678 (2026) |
| Deeds & Mortgages | Dec 2022 Line of Credit Aug 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:04-P:033 |
| Primary APN | M:04-P:033 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| Gross Area | 2,298 sqft |
| 1st Floor Area | 1,232 sqft |
| Basement Area | 1,232 sqft |
| Unfinished Basement | 740 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Raised 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 |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 3 PUTNAM RD |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 33.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 330202 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 3 PUTNAM RD, NORTH READING, MA 01864-2006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 14, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Aug 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| Jan 5, 2017 | Quit Claim Deed, Transfer · VA Mortgage RESIDENTIAL MTG SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 5, 2017 · Amount on Record |
| Deed Sale | Jan 5, 2017 · Amount on Record |
| Prior Sale | Jul 17, 2007 · Amount on Record |
| Deed Book / Page | 68716 / 49 |
| Transfer Doc | 0068716-49 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 3 PUTNAM RD, NORTH READING, MA 01864-2006 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 081056-527 |
|---|---|
| Date | Dec 14, 2022 |
| Book Page | 81056/527 |
| Instrument | 181660 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 3 PUTNAM RD, NORTH READING, MA 01864-2006 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 078564-172 |
|---|---|
| Date | Aug 27, 2021 |
| Book Page | 78564/172 |
| Instrument | 191971 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Jan 5, 2017 |
| Property Address | 3 PUTNAM RD, NORTH READING, MA 01864-2006 |
| Document Number | 68716-49 |
| Book / Page | 68716 / 49 |
| Instrument | 2457 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $61.36 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 687160052 |
|---|---|
| Date | Jan 5, 2017 |
| Instrument | 68716/0052 |
| Name | RESIDENTIAL MTG SVCS |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 5, 2047 |
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 | $19,678.00 (+146.25%) | $1,511,400 (+147%) Land $422,700 Building $1,088,700 | $637,950 |
| 2025 | $7,991.00 (+7.46%) | $611,900 (+8.7%) Land $391,500 Building $220,400 | |
| 2024 | $7,436.00 (-2.21%) | $562,900 (+3.57%) Land $362,500 Building $200,400 | |
| 2023 | $7,604.00 | $543,500 Land $350,800 Building $192,700 |
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 | 4 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 98% of the US · lower than 96% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 144 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 |
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