Middlesex County and Reading Town property record for 32 Cross St, Reading, MA 01867 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1979 |
| Square Footage | 2,024 sqft Living Area |
| Lot Size | 14,401 sqft (0.331 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $514,000 (2019) |
| Tax Bill | $8,555.00 (2025) |
| Primary APN | 27000000004B |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 7 Rooms |
| Building Area | 2,024 sqft Living Area |
| Gross Area | 3,166 sqft Gross Area |
| Basement Area | 1,324 sqft Basement |
| Unfinished Basement | 662 sqft Unfinished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Split Level Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 14,401 sqft (0.331 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Basement Garage |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Account Number | 27000000004B |
|---|---|
| Street Address | 32 CROSS ST |
| City | READING |
| State | MA |
| Zip | 01867-3636 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Jurisdiction | READING MA |
| Minor Civil Division | READING |
| Census Blockgroup | 3 |
| Census Block | 3004 |
| Census Tract | 334400 |
Source: Middlesex County and Reading Town records · APN 27000000004B
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 | Individual Name on File |
|---|---|
| Mailing Address | 32 CROSS ST, READING, MA 01867-3636 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 28, 2026 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| Mar 12, 2021 | Deed of Trust, Mortgage · Stand Alone Refinance MSA LENDING LLC |
| Dec 20, 2019 | Quit Claim Arm's Length for NE States, Transfer · Stand Alone First Mortgage NEW FED MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 20, 2019 · Amount on Record |
| Deed Sale | Dec 20, 2019 · Amount on Record |
| Prior Sale | Jun 25, 2004 · Amount on Record |
| Deed Doc Number | 2019203332 |
| Deed Book / Page | 73870 / 411 |
| Transfer Doc | 0000277677 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 32 CROSS ST, READING, MA 01867-3636 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 085164-368 |
|---|---|
| Date | Jan 28, 2026 |
| Book Page | 85164/368 |
| Instrument | 9473 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 32 CROSS ST, READING, MA 01867-3636 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 077204-335 |
|---|---|
| Date | Mar 12, 2021 |
| Book Page | 77204/335 |
| Instrument | 55276 |
| Name | MSA LENDING LLC |
|---|---|
| Type | Lending Institution |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Dec 20, 2019 |
| Property Address | 32 CROSS ST, READING, MA 01867-3636 |
| Document Number | 073870-411 |
| Book / Page | 73870 / 411 |
| Instrument Date | Dec 12, 2019 |
| Instrument | 203332 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 32 CROSS ST, READING, MA 01867-3636 |
| Document Number | 0000203333 |
|---|---|
| Date | Dec 20, 2019 |
| Instrument | 203333 |
| Name | NEW FED MORTGAGE CORP |
|---|
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
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 | $8,555.00 (+3.07%) | $751,100 (+6.06%) Land $437,200 Building $313,900 | $751,450 (+2.18%) |
| 2024 | $8,300.00 (-2.26%) | $708,200 (+5%) Land $412,200 Building $296,000 | $735,395 |
| 2023 | $8,492.00 | $674,500 Land $392,600 Building $281,900 |
32 Cross St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Middlesex County (25017C), updated September 10, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 3rd percentile of exposed land nationally · 6th in Massachusetts |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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