358 Charles St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 358 Charles St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,582 sqft · built 1948
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Dec 2018)
Tax Bill	$8,754 (2026)
Deeds & Mortgages	Jul 2021 Mortgage May 2024 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:041.0-0000-0012.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:041.0-0000-0012.0`
Alternative APNs	`M:041.0=0000=0012.0` `1630000000300` `1630000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,582 sqft Living Area
Gross Area	4,376 sqft
Basement Area	1,230 sqft
Unfinished Basement	1,230 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1965
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,117 sqft (0.37 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1630000000300
Street Address	358 CHARLES ST
City	READING
State	MA
Zip	01867-1857
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	1
Census Block	1012
Census Tract	334300

Owner

358 Charles St is owned and occupied by two individuals who acquired it in November 2019.

Source: Middlesex County and Reading Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	358 CHARLES ST, READING, MA 01867-1857
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed of Trust, Mortgage · FHA Mortgage NEW FED MORTGAGE CORP
May 9, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Jul 27, 2021	Deed of Trust, Mortgage · FHA Mortgage NEW FED MORTGAGE CORP
Dec 3, 2019	Quit Claim Deed, Transfer · FHA Mortgage NEW FED MTG CORP
Dec 19, 2018	Quit Claim Deed, Transfer · FHA Mortgage NEW FED MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2018 · Amount on File
Deed Sale	Dec 19, 2018 · Amount on File
Prior Sale	Aug 6, 1986 · Amount on File
Last Transfer Date	Nov 25, 2019
Transfer Doc	1830366
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	358 CHARLES ST, READING, MA 01867-1857
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001888442
Date	Jul 27, 2021
Instrument	1888442

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	358 CHARLES ST, READING, MA 01867-1857
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001956366
Date	May 9, 2024
Instrument	1956366

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2039

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	358 CHARLES ST, READING, MA 01867-1857
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1888442
Date	Jul 27, 2021
Instrument	1888442

Lender

Name	NEW FED MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Dec 3, 2019
Property Address	358 CHARLES ST, READING, MA 01867-1857
Document Number	0000030366
Instrument Date	Nov 25, 2019
Instrument	30366
Transaction Type	Transfer
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	358 CHARLES ST READING MA 018671857, READING, MA 01867-1857

Mortgage

Document Number	30367
Date	Dec 3, 2019
Instrument	30367

Lender

Name	NEW FED MTG CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 2, 2049

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Dec 19, 2018
Property Address	358 CHARLES ST, READING, MA 01867-1857
Document Number	0000003943
Instrument Date	Dec 19, 2018
Instrument	3943
Transaction Type	Transfer
Record Updated	Jan 8, 2019

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,006.40
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	358 CHARLES ST READING MA 018671857, READING, MA 01867-1857

Mortgage

Document Number	3944
Date	Dec 19, 2018
Instrument	3944

Lender

Name	NEW FED MTG CORP

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 18, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 358 Charles St was $8,754, up 3.5% from the year before.

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	$8,754.00 (+3.5%)	$798,700 (+7.55%) Land $513,300 Building $285,000	$782,693 (-3.46%)
2025	$8,458.00 (+0.24%)	$742,600 (+3.14%) Land $477,200 Building $265,400	$810,730 (+4.06%)
2024	$8,438.00 (+6.84%)	$720,000 (+14.78%) Land $462,700 Building $257,300	$779,095
2023	$7,898.00	$627,300 Land $403,100 Building $224,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 358 Charles St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.

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	2 (1982–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2010 · 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

Wildfire risk around 358 Charles St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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 112 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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