Middlesex County and Reading Town property record for 364 Franklin St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,646 sqft · built 1957 |
| Lot Size | 0.361 acres (15,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $650,000 (Jul 2021) |
| Tax Bill | $8,764 (2026) |
| Deeds & Mortgages | Jul 2025 Line of Credit Mar 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:044.0-0000-0093.0 |
| Primary APN | READ M:044.0-0000-0093.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,646 sqft Living Area |
| Gross Area | 3,244 sqft |
| 1st Floor Area | 1,442 sqft |
| Basement Area | 1,358 sqft |
| Unfinished Basement | 1,358 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,712 sqft (0.361 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 1920000000030 |
|---|---|
| Street Address | 364 FRANKLIN ST |
| City | READING |
| State | MA |
| Zip | 01867-1036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S20 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 334300 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 364 FRANKLIN ST, READING, MA 01867-1036 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 24, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Mar 23, 2018 | Deed of Trust, Mortgage · Closed-End Mortgage READING COOPERATIVE BANK |
| Jul 30, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 30, 2021 · Amount on Record |
| Deed Sale | Jul 30, 2021 · Amount on Record |
| Prior Sale | Jun 9, 2009 · Amount on Record |
| Deed Document Number | 2021172088 |
| Deed Book / Page | 78372 / 347 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 364 FRANKLIN ST, READING, MA 01867-1036 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 084402-290 |
|---|---|
| Date | Jul 24, 2025 |
| Book Page | 84402/290 |
| Instrument | 87007 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Aug 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 364 FRANKLIN ST, READING, MA 01867-1036 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0070772-37 |
|---|---|
| Date | Mar 23, 2018 |
| Book Page | 70772/37 |
| Instrument | 39117 |
| Name | READING COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 1, 2043 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jul 30, 2021 |
| Property Address | 364 FRANKLIN ST, READING, MA 01867-1036 |
| Document Number | 078372-347 |
| Book / Page | 78372 / 347 |
| Instrument Date | Jul 30, 2021 |
| Instrument | 172088 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 364 FRANKLIN ST, READING, MA 01867-1036 |
| Document Number | 0000172089 |
|---|---|
| Date | Jul 30, 2021 |
| Instrument | 172089 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,764.00 (+3.53%) | $799,600 (+7.59%) Land $511,800 Building $287,800 | $834,217 (+6.13%) |
| 2025 | $8,465.00 (+0.21%) | $743,200 (+3.12%) Land $475,700 Building $267,500 | $786,030 (+2.3%) |
| 2024 | $8,447.00 (+6.86%) | $720,700 (+14.78%) Land $461,300 Building $259,400 | $768,360 |
| 2023 | $7,905.00 | $627,900 Land $401,900 Building $226,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 144 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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