365 Franklin St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 365 Franklin St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,585 sqft · built 1954
Lot Size	0.381 acres (16,601 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,000,000 (Sep 2023)
Tax Bill	$11,818 (2026)
Deeds & Mortgages	Apr 2022 Refinance Sep 2023 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:044.0-0000-0069.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:044.0-0000-0069.0`
Alternative APNs	`M:044.0=0000=0069.0` `1910000000460` `1910000000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,585 sqft Living Area
Gross Area	3,734 sqft
Basement Area	1,124 sqft
Unfinished Basement	787 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2018
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,601 sqft (0.381 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1910000000460
Street Address	365 FRANKLIN ST
City	READING
State	MA
Zip	01867-1037
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	3002
Census Tract	334300

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	365 FRANKLIN ST, READING, MA 01867-1037
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Sep 11, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LIBERTY BAY CREDIT UNION
Dec 31, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 21, 2020	Deed of Trust, Mortgage · Line of Credit MILLS 42 CU
Feb 7, 2019	Deed of Trust, Mortgage · Line of Credit LIBERTY BAY CU
Oct 26, 2018	Quit Claim Deed, Transfer Quitclaim
Aug 17, 2018	Quit Claim Deed, Transfer · Conventional with PMI YURY LANDE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2023 · Amount on Record
Deed Sale	Sep 11, 2023 · Amount on Record
Prior Sale	Oct 26, 2018
Deed Book / Page	81982 / 342
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	365 FRANKLIN ST, READING, MA 01867-1037
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079994-512
Date	Apr 19, 2022
Book Page	79994/512
Instrument	57856

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Sep 11, 2023
Property Address	365 FRANKLIN ST, READING, MA 01867-1037
Document Number	081982-342
Book / Page	81982 / 342
Instrument Date	Sep 11, 2023
Instrument	102323
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	365 FRANKLIN ST, READING, MA 01867-1037

Mortgage

Document Number	0000102324
Date	Sep 11, 2023
Instrument	102324

Lender

Name	LIBERTY BAY CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Oct 1, 2028
Max Rate At Change	3%
Index	1-Year CMT
Margin	3

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Dec 31, 2020
Property Address	365 FRANKLIN ST, READING, MA 01867-1037
Document Number	76592-79
Book / Page	076592 / 000079
Instrument Date	Dec 15, 2020
Instrument	253429
Transaction Type	Transfer
Record Updated	Jan 19, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	365 FRANKLIN ST READING MA 018671037, READING, MA 01867-1037

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	365 FRANKLIN ST, READING, MA 01867-1037
Document Number	74046-433
Instrument Date	Jan 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	365 FRANKLIN ST READING MA 018671037, READING, MA 01867-1037

Mortgage

Document Number	74046-433
Date	Jan 28, 2020
Book Page	074046/000433
Instrument	12901

Lender

Name	MILLS 42 CU

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 27, 2045

Interest

Rate Type	Adjustable Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	365 FRANKLIN ST, READING, MA 01867-1037
Document Number	72221-149
Instrument Date	Feb 7, 2019
Transaction Type	Mortgage
Record Updated	Feb 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	365 FRANKLIN ST READING MA 018671037, READING, MA 01867-1037

Mortgage

Document Number	72221-149
Date	Feb 12, 2019
Book Page	072221/000149
Instrument	17950

Lender

Name	LIBERTY BAY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Oct 26, 2018
Property Address	365 FRANKLIN ST, READING, MA 01867-1037
Document Number	71802-215
Book / Page	071802 / 000215
Instrument Date	Oct 24, 2018
Instrument	165256
Transaction Type	Transfer
Record Updated	Nov 21, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	365 FRANKLIN ST READING MA 018671037, READING, MA 01867-1037

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 17, 2018
Property Address	365 FRANKLIN ST, READING, MA 01867-1037
Document Number	71488-223
Book / Page	071488 / 000223
Instrument Date	Aug 15, 2018
Instrument	126236
Transaction Type	Transfer
Record Updated	Sep 4, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,719.12
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	365 FRANKLIN ST READING MA 018671037, READING, MA 01867-1037

Mortgage

Document Number	71488-226
Date	Aug 17, 2018
Book Page	071488/000226
Instrument	126237

Lender

Name	YURY LANDE

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

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	$11,818.00 (+3.47%)	$1,078,300 (+7.53%) Land $515,200 Building $557,200	$1,150,654 (+7.36%)
2025	$11,422.00 (-0.05%)	$1,002,800 (+2.84%) Land $478,900 Building $523,900	$1,071,790 (+22.17%)
2024	$11,428.00 (+6.77%)	$975,100 (+14.7%) Land $464,400 Building $510,700	$877,325
2023	$10,703.00	$850,100 Land $404,500 Building $445,600

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

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 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.

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 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

365 Franklin St, Reading, MA 01867 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2023: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

December 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

January 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

February 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

October 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

August 2018: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Franklin St

Nearby Streets

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