Middlesex County and Reading Town property record for 32 Summer Ave, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,661 sqft · built 1914 |
| Lot Size | 0.733 acres (31,929 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $625,830 (Jul 2017) |
| Tax Bill | $10,700 (2025) |
| Deeds & Mortgages | May 2023 Refinance Sep 2021 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:020.0-0000-0210.0 |
| Primary APN | READ M:020.0-0000-0210.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,661 sqft Living Area |
| Gross Area | 4,727 sqft |
| Basement Area | 1,325 sqft |
| Unfinished Basement | 994 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1914 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 31,929 sqft (0.733 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 810000000090 |
|---|---|
| Street Address | 32 SUMMER AVE |
| City | READING |
| State | MA |
| Zip | 01867-2337 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 334200 |
Source: Middlesex County and Reading Town records · APN READ M:020.0-0000-0210.0
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 SUMMER AVE, READING, MA 01867-2337 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 24, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance HARVARD UNIVERSITY CREDIT UNION |
| Sep 03, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Sep 03, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Apr 01, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Jul 21, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Jul 21, 2017 | Quit Claim Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 21, 2017 · Amount on Record |
| Deed Sale | Jul 21, 2017 · Amount on Record |
| Prior Sale | Jan 13, 2015 |
| Deed Book / Page | 69643 / 219 |
| Transfer Doc | 69643-237 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 32 SUMMER AVE, READING, MA 01867-2337 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|
| Document Number | 081568-251 |
|---|---|
| Date | May 24, 2023 |
| Book Page | 81568/251 |
| Instrument | 53887 |
| Name | HARVARD UNIVERSITY CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jun 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 32 SUMMER AVE, READING, MA 01867-2337 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|
| Document Number | 078628-277 |
|---|---|
| Date | Sep 03, 2021 |
| Book Page | 78628/277 |
| Instrument | 198056 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 217 Months |
| Due | Oct 01, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 32 SUMMER AVE, READING, MA 01867-2337 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78628-277 |
|---|---|
| Date | Sep 03, 2021 |
| Book Page | 78628/277 |
| Instrument | 198056 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 217 Months |
| Due | Oct 01, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 32 SUMMER AVE, READING, MA 01867-2337 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74394-362 |
|---|---|
| Date | Apr 01, 2020 |
| Book Page | 74394/362 |
| Instrument | 48567 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 01, 2040 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jul 21, 2017 |
| Property Address | 32 SUMMER AVE, READING, MA 01867-2337 |
| Document Number | 69643-237 |
| Book / Page | 069643 / 000237 |
| Instrument Date | Jul 21, 2017 |
| Instrument | 114638 |
| Transaction Type | Transfer |
| Record Updated | Aug 08, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 32 SUMMER AVE READING MA 018672337, READING, MA 01867-2337 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jul 21, 2017 |
| Property Address | 32 SUMMER AVE, READING, MA 01867-2337 |
| Document Number | 69643-219 |
| Book / Page | 069643 / 000219 |
| Instrument Date | Jul 20, 2017 |
| Instrument | 114636 |
| Transaction Type | Transfer |
| Record Updated | Aug 08, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,853.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 32 SUMMER AVE READING MA 018672337, READING, MA 01867-2337 |
| Document Number | 69643-221 |
|---|---|
| Date | Jul 21, 2017 |
| Book Page | 069643/000221 |
| Instrument | 114637 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 20, 2047 |
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 | $10,700.00 (+6.39%) | $939,400 (+9.47%) Land $508,200 Building $431,200 | $923,305 (+4.63%) |
| 2024 | $10,057.00 (+3.23%) | $858,100 (+10.89%) Land $488,200 Building $369,900 | $882,455 |
| 2023 | $9,742.00 | $773,800 Land $440,200 Building $333,600 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 1 in force |
| Nearby Flood Claims | 1 (2001) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2001 · Severe Storms And Flooding |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 235 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | READING WATER DEPARTMENT (MWRA) serves 26,262 people |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Nov 2023 |
| Lead | 8 ppb (2021–2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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