31 Hemlock Rd, Reading, MA 01867 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,100 sqft · built 1973
Lot Size	0.283 acres (12,310 sqft)
Owner	2 Individual Names on File
Last Sale	$890,000 (Jun 2024)
Tax Bill	$10,148 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`READ M:007.0-0000-0012.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:007.0-0000-0012.0`
Alternative APNs	`M:007.0=0000=0012.0` `90000000240` `90000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,100 sqft Living Area
Gross Area	2,936 sqft
Basement Area	1,200 sqft
Unfinished Basement	348 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1990
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,310 sqft (0.283 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	90000000240
Street Address	31 HEMLOCK RD
City	READING
State	MA
Zip	01867-3839
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	5
Census Block	5009
Census Tract	334100

Owner

31 Hemlock Rd is owned and occupied by two individuals who bought it in June 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	31 HEMLOCK RD, READING, MA 01867-3839
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Deed of Trust, Mortgage SALEM FIVE MORTGAGE CORP
Sep 8, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2024 · Amount on File
Deed Sale	Jun 7, 2024 · Amount on File
Prior Sale	Sep 28, 1973 · Amount on File
Deed Document Number	20241958112
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	31 HEMLOCK RD, READING, MA 01867-3839
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001987230
Date	Oct 21, 2025
Instrument	1987230

Lender

Name	SALEM FIVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Type Change Date	Nov 1, 2032
Index	1-Year CMT

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	31 HEMLOCK RD, READING, MA 01867-3839
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001943775
Date	Sep 8, 2023
Instrument	1943775

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 31 Hemlock Rd was $10,148, up 1% from the year before.

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	$10,148.00 (+1.03%)	$925,900 (+4.99%) Land $589,000 Building $333,900	$978,035 (+18.21%)
2025	$10,045.00 (-1.22%)	$881,900 (+1.64%) Land $561,600 Building $320,300	$827,355 (+0.4%)
2024	$10,169.00 (+6.2%)	$867,700 (+14.1%) Land $552,500 Building $315,200	$824,030
2023	$9,575.00	$760,500 Land $484,000 Building $276,500

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

Flood

FEMA maps place 31 Hemlock Rd in Zone X, an area of minimal flood risk.

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	3 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

The area around 31 Hemlock Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 425 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: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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