321 Lowell St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 321 Lowell St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,548 sqft · built 1939
Lot Size	0.676 acres (29,429 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Aug 2016)
Tax Bill	$10,015 (2026)
Deeds & Mortgages	Aug 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`READ M:026.0-0000-0183.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:026.0-0000-0183.0`
Alternative APNs	`M:026.0=0000=0183.0` `1210000000030` `1210000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,548 sqft Living Area
Gross Area	4,303 sqft
1st Floor Area	588 sqft
Basement Area	932 sqft
Unfinished Basement	932 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	29,429 sqft (0.676 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1210000000030
Street Address	321 LOWELL ST
City	READING
State	MA
Zip	01867-1524
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	4014
Census Tract	334300

Owner

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	Individual Name on Record
Mailing Address	321 LOWELL ST, READING, MA 01867-1524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2016 · Amount on Record
Deed Sale	Aug 30, 2016 · Amount on Record
Prior Sale	Apr 25, 2011 · Amount on Record
Deed Book / Page	67911 / 530
Last Transfer Date	Aug 18, 2020
Transfer Doc	75436-85
Record Updated	Oct 29, 2026

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 24, 2020
Property Address	321 LOWELL ST, READING, MA 01867-1524
Document Number	75436-85
Book / Page	75436 / 85
Instrument Date	Aug 18, 2020
Instrument	144825
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 LOWELL ST, READING, MA 01867-1524

Mortgage

Document Number	75436-89
Date	Aug 24, 2020
Book Page	75436/89
Instrument	144826

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2045

Tax Assessment & Valuation

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	$10,015.00 (+7.64%)	$913,800 (+11.86%) Land $487,100 Building $420,400	$1,031,612 (+13.13%)
2025	$9,304.00 (+11%)	$816,900 (+14.22%) Land $479,500 Building $337,400	$911,905 (+30.14%)
2024	$8,382.00 (+3.14%)	$715,200 (+10.8%) Land $460,600 Building $254,600	$700,720
2023	$8,127.00	$645,500 Land $415,300 Building $230,200

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1978–2004)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Apr 2004 · 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.

Wildfire

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.

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 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