Middlesex County and Reading Town property record for 32 Harvard St, Reading, MA 01867 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,999 sqft · built 1956 |
| Lot Size | 0.404 acres (17,598 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $650,000 (Jun 2018) |
| Tax Bill | $9,276 (2025) |
| Deeds & Mortgages | Apr 2025 Line of Credit Dec 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:026.0-0000-0117.0 |
| Primary APN | READ M:026.0-0000-0117.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,999 sqft Living Area |
| Gross Area | 2,504 sqft |
| 1st Floor Area | 726 sqft |
| Basement Area | 1,062 sqft |
| Unfinished Basement | 425 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,598 sqft (0.404 acres) |
| Garage Type | Attached |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 1120000000070 |
|---|---|
| Street Address | 32 HARVARD ST |
| City | READING |
| State | MA |
| Zip | 01867-2019 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 334300 |
Source: Middlesex County and Reading Town records · APN READ M:026.0-0000-0117.0
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 | 32 HARVARD ST, READING, MA 01867-2019 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 02, 2025 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Dec 27, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance UBS BANK USA |
| Jun 19, 2018 | Quit Claim Deed, Transfer UBS BANK USA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 19, 2018 · Amount on Record |
| Deed Sale | Jun 19, 2018 · Amount on Record |
| Prior Sale | Jul 30, 2014 · Amount on Record |
| Deed Book / Page | 71178 / 493 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 32 HARVARD ST, READING, MA 01867-2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 083923-289 |
|---|---|
| Date | Apr 02, 2025 |
| Book Page | 83923/289 |
| Instrument | 33766 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 32 HARVARD ST, READING, MA 01867-2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 73902-399 |
|---|---|
| Date | Dec 27, 2019 |
| Book Page | 73902/399 |
| Instrument | 206953 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jun 19, 2018 |
| Property Address | 32 HARVARD ST, READING, MA 01867-2019 |
| Document Number | 71178-493 |
| Book / Page | 71178 / 493 |
| Instrument | 88361 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $69.84 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 32 HARVARD ST, READING, MA 01867-2019 |
| Document Number | 711780495 |
|---|---|
| Date | Jun 19, 2018 |
| Instrument | 71178/0495 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 19, 2048 |
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 | $9,276.00 (+1.14%) | $814,400 (+4.08%) Land $510,600 Building $303,800 | $872,005 (+2.22%) |
| 2024 | $9,171.00 (+3.17%) | $782,500 (+10.84%) Land $490,500 Building $292,000 | $853,100 |
| 2023 | $8,889.00 | $706,000 Land $442,300 Building $263,700 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173343004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 5 individual NFIP policies nearby |
| Nearby Flood Policies | 5 in force 3 of 5 on primary residences |
| Nearby Flood Claims | 3 (1978–2004) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Apr 2004, rainfall accumulation, Flooding |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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