351 Lowell St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 351 Lowell St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,859 sqft · built 1894
Lot Size	1.17 acres (50,965 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Sep 2012)
Tax Bill	$9,885 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`READ M:026.0-0000-0193.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:026.0-0000-0193.0`
Alternative APNs	`M:026.0=0000=0193.0` `1210000000230` `1210000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,859 sqft Living Area
Gross Area	3,175 sqft
Basement Area	1,112 sqft
Unfinished Basement	1,112 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1894
Effective Year Built	Effective 1970
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,965 sqft (1.17 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	1210000000230
Street Address	351 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 · APN READ M:026.0-0000-0193.0

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	2 Individual Names on File
Mailing Address	351 LOWELL ST, READING, MA 01867-1524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 14, 2012 · Amount on Record
Deed Sale	Sep 14, 2012 · Amount on Record
Deed Book / Page	60005 / 434
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Recording Date	Jun 15, 2026
Property Address	351 LOWELL ST, READING, MA 01867-1524
Document Number	0000070720
Book / Page	85733 / 499
Instrument Date	May 30, 2026
Instrument	202670720
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 LOWELL ST, READING, MA 01867-1524

Mortgage

Document Number	0000070720,
Date	Jun 15, 2026
Book Page	85733/499
Instrument	202670720

Lender

Name	TD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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	$9,885.00 (+1.14%)	$867,900 (+4.06%) Land $527,800 Building $340,100	$803,225 (+4.99%)
2024	$9,774.00 (+3.01%)	$834,000 (+10.67%) Land $507,000 Building $327,000	$765,035
2023	$9,488.00	$753,600 Land $457,100 Building $296,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 368 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	READING WATER DEPARTMENT (MWRA) serves 26,262 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.