322 Summer Ave, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 322 Summer Ave, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,358 sqft · built 1950
Lot Size	0.246 acres (10,716 sqft)
Owner	Individual Name on Record
Last Sale	$700,000 (Nov 2024)
Tax Bill	$8,233 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:011.0-0000-0142.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:011.0-0000-0142.0`
Alternative APNs	`M:011.0=0000=0142.0` `340000000100` `340000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,358 sqft Living Area
Gross Area	2,865 sqft
Basement Area	898 sqft
Unfinished Basement	898 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,716 sqft (0.246 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	340000000100
Street Address	322 SUMMER AVE
City	READING
State	MA
Zip	01867-3450
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	1024
Census Tract	334100

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	322 SUMMER AVE, READING, MA 01867-3450
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Oct 18, 2021	Fiduciary Deed, Transfer · FHA Mortgage MSA LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2024 · Amount on Record
Deed Sale	Nov 8, 2024 · Amount on Record
Prior Sale	Oct 18, 2021 · Amount on Record
Deed Document Number	2024127736
Deed Book / Page	83450 / 94
Prior Transfer Date	Nov 5, 2024
Prior Transfer Doc	0083450-94
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	322 SUMMER AVE, READING, MA 01867-3450
Transaction Type	Mortgage
Record Updated	Sep 1, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081894-145
Date	Aug 16, 2023
Book Page	81894/145
Instrument	91972

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Sep 1, 2051

October 2021: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	READING MA
Recording Date	Oct 18, 2021
Property Address	322 SUMMER AVE, READING, MA 01867-3450
Document Number	78935-424
Book / Page	78935 / 424
Instrument Date	Oct 18, 2021
Instrument	228489
Transaction Type	Transfer
Record Updated	Nov 5, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 SUMMER AVE, READING, MA 01867-3450

Mortgage

Document Number	228490
Date	Oct 18, 2021
Instrument	228490

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$8,233.00 (+1.55%)	$751,200 (+5.54%) Land $511,400 Building $239,800	$723,204 (+9%)
2025	$8,107.00 (+2.46%)	$711,800 (+5.44%) Land $484,600 Building $227,200	$663,480 (+2.27%)
2024	$7,912.00 (+3.24%)	$675,100 (+10.91%) Land $465,600 Building $209,500	$648,755
2023	$7,664.00	$608,700 Land $419,800 Building $188,900

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1979–1998)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 1998 · Heavy Rains 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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