Middlesex County and Reading Town property record for 320 Lowell St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,869 sqft · built 1929 |
| Lot Size | 0.459 acres (19,998 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Mar 2017) |
| Tax Bill | $12,163 (2026) |
| Deeds & Mortgages | Jul 2020 Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:026.0-0000-0092.0 |
| Primary APN | READ M:026.0-0000-0092.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 3,869 sqft Living Area |
| Gross Area | 7,292 sqft |
| Basement Area | 1,568 sqft |
| Unfinished Basement | 1,568 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,998 sqft (0.459 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 111000000019 |
|---|---|
| Street Address | 320 LOWELL ST |
| City | READING |
| State | MA |
| Zip | 01867-1523 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 334200 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 320 LOWELL ST, READING, MA 01867-1523 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 27, 2020 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Mar 17, 2017 | Quit Claim Deed, Transfer · VA Mortgage SALEM FIVE MTG CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 2017 · Amount on Record |
| Deed Sale | Mar 17, 2017 · Amount on Record |
| Prior Sale | Oct 25, 2012 |
| Deed Book / Page | 69019 / 310 |
| Transfer Doc | 069019-310 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 320 LOWELL ST, READING, MA 01867-1523 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75217-328 |
|---|---|
| Date | Jul 27, 2020 |
| Book Page | 75217/328 |
| Instrument | 122996 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Mar 17, 2017 |
| Property Address | 320 LOWELL ST, READING, MA 01867-1523 |
| Document Number | 69019-310 |
| Book / Page | 69019 / 310 |
| Instrument | 39639 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $63.93 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 690190313 |
|---|---|
| Date | Mar 17, 2017 |
| Instrument | 69019/0313 |
| Name | SALEM FIVE MTG CO |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 17, 2047 |
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,163.00 (+0.65%) | $1,109,800 (+4.6%) Land $455,900 Building $653,600 | $843,557 (-35.41%) |
| 2025 | $12,085.00 (+1.17%) | $1,061,000 (+4.1%) Land $448,800 Building $612,200 | $1,306,060 (+7.57%) |
| 2024 | $11,945.00 (+3.24%) | $1,019,200 (+10.9%) Land $431,100 Building $588,100 | $1,214,195 |
| 2023 | $11,570.00 | $919,000 Land $388,700 Building $530,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 1 (2010) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 368 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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