Middlesex County and Reading Town property record for 38 Charles St, Reading, MA 01867 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,152 sqft · built 1951 |
| Lot Size | 0.51 acres (22,211 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $375,000 (Feb 2005) |
| Tax Bill | $8,137 (2025) |
| Deeds & Mortgages | Nov 2018 Mortgage Nov 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104000000021C |
| Primary APN | 104000000021C |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,152 sqft Living Area |
| Gross Area | 2,384 sqft Gross Area |
| Basement Area | 768 sqft Basement |
| Unfinished Basement | 768 sqft Unfinished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,211 sqft (0.51 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 104000000021C |
|---|---|
| Street Address | 38 CHARLES ST |
| City | READING |
| State | MA |
| Zip | 01867-1753 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 334400 |
Source: Middlesex County and Reading Town records · APN 104000000021C
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 Company Names on File |
|---|---|
| Mailing Address | 38 CHARLES ST, READING, MA 01867-1753 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Nov 26, 2018 | Deed of Trust, Mortgage READING COOPERATIVE BANK |
| Nov 25, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance READING COOPERATIVE BANK |
| Dec 14, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 04, 2005 · Amount on Record |
| Deed Sale | Feb 04, 2005 · Amount on Record |
| Prior Sale | Jan 06, 2003 · Amount on Record |
| Deed Document Number | 200525224 |
| Deed Book / Page | 44599 / 462 |
| Last Transfer Date | Dec 09, 2020 |
| Transfer Doc | 76410-571 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 38 CHARLES ST, READING, MA 01867-1753 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 71926-182 |
|---|---|
| Date | Nov 26, 2018 |
| Book Page | 71926/182 |
| Instrument | 180069 |
| Name | READING COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 38 CHARLES ST, READING, MA 01867-1753 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76266-1 |
|---|---|
| Date | Nov 25, 2020 |
| Book Page | 76266/1 |
| Instrument | 223178 |
| Name | READING COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Dec 14, 2020 |
| Property Address | 38 CHARLES ST, READING, MA 01867-1753 |
| Document Number | 76410-571 |
| Book / Page | 076410 / 000571 |
| Instrument Date | Dec 09, 2020 |
| Instrument | 236795 |
| Transaction Type | Transfer |
| Record Updated | Jan 05, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 38 CHARLES ST READING MA 018671753, READING, MA 01867-1753 |
Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
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 | $8,137.00 (+0.21%) | $714,400 (+3.12%) Land $474,000 Building $240,400 | $642,105 (+6.22%) |
| 2024 | $8,120.00 (+6.86%) | $692,800 (+14.78%) Land $459,600 Building $233,200 | $604,485 |
| 2023 | $7,599.00 | $603,600 Land $400,300 Building $203,300 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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