Middlesex County and Reading Town property record for 381 Franklin St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,551 sqft · built 1953 |
| Lot Size | 0.35 acres (15,259 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $179,000 (Jul 1997) |
| Tax Bill | $9,134 (2026) |
| Deeds & Mortgages | Dec 2021 Refinance Feb 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:044.0-0000-0066.0 |
| Primary APN | READ M:044.0-0000-0066.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,551 sqft Living Area |
| Gross Area | 3,239 sqft |
| 1st Floor Area | 1,589 sqft |
| Basement Area | 1,048 sqft |
| Unfinished Basement | 545 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,259 sqft (0.35 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 1910000000430 |
|---|---|
| Street Address | 381 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 |
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 | 381 FRANKLIN ST, READING, MA 01867-1037 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 8, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance EASTERN BANK |
| Feb 13, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance EASTERN BANK |
| Jul 2, 2019 | Deed of Trust, Mortgage · Balloon Mortgage EASTERN BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 1997 · Amount on Record |
| Deed Sale | Jul 30, 1997 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 381 FRANKLIN ST, READING, MA 01867-1037 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 079304-547 |
|---|---|
| Date | Dec 8, 2021 |
| Book Page | 79304/547 |
| Instrument | 265052 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 193 Months |
| Due | Jan 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 381 FRANKLIN ST, READING, MA 01867-1037 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 72225-302 |
|---|---|
| Date | Feb 13, 2019 |
| Book Page | 72225/302 |
| Instrument | 18522 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 381 FRANKLIN ST, READING, MA 01867-1037 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 72869-579 |
|---|---|
| Date | Jul 2, 2019 |
| Book Page | 72869/579 |
| Instrument | 93492 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Balloon 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 | $9,134.00 (+3.51%) | $833,400 (+7.58%) Land $510,100 Building $322,700 | $747,144 (+13.9%) |
| 2025 | $8,824.00 (+0.22%) | $774,700 (+3.11%) Land $474,100 Building $300,600 | $655,975 (+3.2%) |
| 2024 | $8,805.00 (+6.86%) | $751,300 (+14.79%) Land $459,800 Building $291,500 | $635,645 |
| 2023 | $8,240.00 | $654,500 Land $400,500 Building $254,000 |
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 | Not rated no burnable land within 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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