34 Virginia Rd, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 34 Virginia Rd, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,175 sqft · built 1947
Lot Size	0.223 acres (9,731 sqft)
Owner	2 Company Names on Record
Last Sale	$175,000 (Jul 1994)
Tax Bill	$10,293 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jun 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:007.0-0000-0189.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:007.0-0000-0189.0`
Alternative APNs	`M:007.0=0000=0189.0` `170000000320` `170000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,175 sqft Living Area
Gross Area	2,676 sqft
Basement Area	748 sqft
Unfinished Basement	501 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1980
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,731 sqft (0.223 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	170000000320
Street Address	34 VIRGINIA RD
City	READING
State	MA
Zip	01867-3862
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	5
Census Block	5005
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	2 Company Names on Record
Mailing Address	10 CAMERON WAY, METHUEN, MA 01844-2697
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Deed of Trust, Mortgage DIRECT CREDIT UNION
Jun 2, 2026	Quit Claim Deed, Transfer Quitclaim
Nov 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 1994 · Amount on Record
Deed Sale	Jul 8, 1994 · Amount on Record
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Recording Date	Sep 1, 2026
Property Address	34 VIRGINIA RD, READING, MA 01867-3862
Document Number	0000111152
Book / Page	86088 / 545
Instrument Date	Aug 27, 2026
Instrument	2026111152
Transaction Type	Mortgage
Record Updated	Sep 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000111152,
Date	Sep 1, 2026
Book Page	86088/545
Instrument	2026111152

Lender

Name	DIRECT CREDIT UNION

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jun 2, 2026
Property Address	34 VIRGINIA RD, READING, MA 01867-3862
Document Number	085685-391
Book / Page	85685 / 391
Instrument Date	Jun 2, 2026
Instrument	202665151
Transaction Type	Transfer
Record Updated	Aug 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 CAMERON WAY, METHUEN, MA 01844-2697

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	34 VIRGINIA RD, READING, MA 01867-3862
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76252-572
Date	Nov 24, 2020
Book Page	76252/572
Instrument	222041

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2040

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	$10,293.00 (+0.91%)	$939,100 (+4.87%) Land $577,300 Building $361,300	$1,014,267 (+24.67%)
2025	$10,200.00 (-1.2%)	$895,500 (+1.66%) Land $550,500 Building $345,000	$813,580 (+6.33%)
2024	$10,324.00 (+6.25%)	$880,900 (+14.14%) Land $541,500 Building $339,400	$765,130
2023	$9,717.00	$771,800 Land $474,400 Building $297,400

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	3 in force

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 425 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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