Middlesex County and Reading Town property record for 34 Oak St, Reading, MA 01867 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,126 sqft · built 1955 |
| Lot Size | 0.308 acres (13,399 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $8,970 (2025) |
| Deeds & Mortgages | Aug 2025 Line of Credit Nov 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:011.0-0000-0019.0 |
| Primary APN | READ M:011.0-0000-0019.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,126 sqft Living Area |
| Gross Area | 3,465 sqft |
| Basement Area | 1,068 sqft |
| Finished Basement | 1,068 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,399 sqft (0.308 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 240000000990 |
|---|---|
| Street Address | 34 OAK ST |
| City | READING |
| State | MA |
| Zip | 01867-3701 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 5 |
| Census Block | 5003 |
| Census Tract | 334100 |
Source: Middlesex County and Reading Town records · APN READ M:011.0-0000-0019.0
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 | Individual Name on File |
|---|---|
| Mailing Address | 34 OAK ST, READING, MA 01867-3701 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 18, 2025 | Deed of Trust, Mortgage · Line of Credit NORTHERN BANK & TRUST CO |
| Nov 21, 2022 | Quit Claim Deed, Transfer · ARM BERKSHIRE BANK |
| Jul 05, 2018 | Deed of Trust, Mortgage · Line of Credit NORTHERN BK & TR |
| Dec 22, 2017 | Deed of Trust, Mortgage · Line of Credit NORTHERN BK & TR |
| Nov 30, 2020 | Deed of Trust, Mortgage · Line of Credit NORTHERN BANK & TRUST CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Nov 16, 2022 |
| Transfer Doc | 080970-506 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 34 OAK ST, READING, MA 01867-3701 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 084503-115 |
|---|---|
| Date | Aug 18, 2025 |
| Book Page | 84503/115 |
| Instrument | 98613 |
| Name | NORTHERN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Nov 21, 2022 |
| Property Address | 34 OAK ST, READING, MA 01867-3701 |
| Document Number | 080970-506 |
| Book / Page | 80970 / 506 |
| Instrument Date | Nov 16, 2022 |
| Instrument | 171205 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 34 OAK ST, READING, MA 01867-3701 |
| Document Number | 080970-513 |
|---|---|
| Date | Nov 21, 2022 |
| Book Page | 80970/513 |
| Instrument | 171206 |
| Name | BERKSHIRE BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.38% |
| Type Change Date | Dec 01, 2029 |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 34 OAK ST, READING, MA 01867-3701 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 71270-368 |
|---|---|
| Date | Jul 05, 2018 |
| Book Page | 71270/368 |
| Instrument | 99105 |
| Name | NORTHERN BK & TR |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 34 OAK ST, READING, MA 01867-3701 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 70425-311 |
|---|---|
| Date | Dec 22, 2017 |
| Book Page | 70425/311 |
| Instrument | 207746 |
| Name | NORTHERN BK & TR |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 34 OAK ST, READING, MA 01867-3701 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76295-102 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 76295/102 |
| Instrument | 225590 |
| Name | NORTHERN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $8,970.00 (+1.16%) | $787,500 (+4.08%) Land $470,000 Building $317,500 | $1,096,680 |
| 2024 | $8,867.00 (+3.24%) | $756,600 (+10.91%) Land $451,500 Building $305,100 | |
| 2023 | $8,589.00 | $682,200 Land $407,100 Building $275,100 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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