31 Bay State Rd, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 31 Bay State Rd, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,961 sqft · built 1951
Lot Size	0.229 acres (9,971 sqft)
Owner	Individual Name on Record
Last Sale	$212,000 (Nov 1998)
Tax Bill	$7,119 (2026)
Deeds & Mortgages	Jul 2025 Mortgage Aug 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:023.0-0000-0065.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:023.0-0000-0065.0`
Alternative APNs	`M:023.0=0000=0065.0` `790000001790` `790000001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,961 sqft Living Area
Gross Area	3,120 sqft
Basement Area	1,008 sqft
Unfinished Basement	655 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,971 sqft (0.229 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	790000001790
Street Address	31 BAY STATE RD
City	READING
State	MA
Zip	01867-1908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	2
Census Block	2004
Census Tract	334400

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	Individual Name on Record
Mailing Address	31 BAY STATE RD, READING, MA 01867-1908
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2025	Deed of Trust, Mortgage · Commercial Mortgage ROCKLAND TRUST CO
Aug 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ENTERPRISE BANK & TRUST CO
Oct 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ENTERPRISE BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 1998 · Amount on Record
Deed Sale	Nov 19, 1998 · Amount on Record
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	31 BAY STATE RD, READING, MA 01867-1908
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084357-202
Date	Jul 15, 2025
Book Page	84357/202
Instrument	81982

Lender

Name	ROCKLAND TRUST CO
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	31 BAY STATE RD, READING, MA 01867-1908
Transaction Type	Mortgage
Record Updated	Sep 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78515-429
Date	Aug 20, 2021
Book Page	78515/429
Instrument	187078

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	31 BAY STATE RD, READING, MA 01867-1908
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73522-350
Date	Oct 25, 2019
Book Page	73522/350
Instrument	165028

Lender

Name	ENTERPRISE BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

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	$7,119.00 (+1.58%)	$649,500 (+5.56%) Land $399,100 Building $250,400	$767,375 (+5.66%)
2025	$7,008.00 (+3.07%)	$615,300 (+6.07%) Land $378,100 Building $237,200	$726,275 (+2.37%)
2024	$6,799.00 (+0.53%)	$580,100 (+7.99%) Land $356,500 Building $223,600	$709,460
2023	$6,763.00	$537,200 Land $330,100 Building $207,100

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1981)
Most Recent Claim	Feb 1981 · tidal / storm surge

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	None beyond ember reach

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

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

May also be available: Astound Broadband, T-Mobile.

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