35 Prospect St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 35 Prospect St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,040 sqft · built 1955
Lot Size	0.339 acres (14,749 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Aug 1989)
Tax Bill	$14,070 (2026)
Deeds & Mortgages	Apr 2025 Line of Credit Feb 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`49000000026A`

Property Details

APN / Parcel Number

Primary APN	`49000000026A`
Alternative APNs	`READ M:015.0-0000-0156.0` `M:015.0=0000=0156.0` `490000000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,040 sqft Living Area
Gross Area	5,621 sqft
Basement Area	1,365 sqft
Unfinished Basement	437 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1990
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,749 sqft (0.339 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	49000000026A
Street Address	35 PROSPECT ST
City	READING
State	MA
Zip	01867-2822
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	4015
Census Tract	334200

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 Individual Names on Record
Mailing Address	35 PROSPECT ST, READING, MA 01867-2822
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2025	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
Feb 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 1989 · Amount on Record
Deed Sale	Aug 21, 1989 · Amount on Record
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	35 PROSPECT ST, READING, MA 01867-2822
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083938-508
Date	Apr 7, 2025
Book Page	83938/508
Instrument	35501

Lender

Name	SALEM FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	35 PROSPECT ST, READING, MA 01867-2822
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076922-244
Date	Feb 9, 2021
Book Page	76922/244
Instrument	29868

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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	$14,070.00 (+1.53%)	$1,283,800 (+5.51%) Land $618,700 Building $655,000	$1,440,564 (+25.98%)
2025	$13,858.00 (+22.43%)	$1,216,700 (+25.98%) Land $586,100 Building $630,600	$1,143,515 (+15.26%)
2024	$11,319.00 (+0.45%)	$965,800 (+7.91%) Land $552,600 Building $413,200	$992,085
2023	$11,268.00	$895,000 Land $511,700 Building $383,300

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	1 in force
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2001 · 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.

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	Direct burnable vegetation

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 523 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

Cell Coverage

5G (outdoors only) and 4G LTE

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