382 Charles St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 382 Charles St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,333 sqft · built 1956
Lot Size	0.66 acres (28,771 sqft)
Owner	2 Individual Names on File
Last Sale	$810,000 (Aug 2023)
Tax Bill	$10,621 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:041.0-0000-0032.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:041.0-0000-0032.0`
Alternative APNs	`M:041.0=0000=0032.0` `1660000000090` `1660000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,333 sqft Living Area
Gross Area	5,207 sqft
Basement Area	1,758 sqft
Unfinished Basement	1,055 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1969
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,771 sqft (0.66 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1660000000090
Street Address	382 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

382 Charles St is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	382 CHARLES ST, READING, MA 01867-1857
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2023	Quit Claim Deed, Transfer · FHA Mortgage DRAPER AND KRAMER MORTGAGE CORP.
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE
May 31, 2019	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2023 · Amount on File
Deed Sale	Aug 1, 2023 · Amount on File
Prior Sale	May 31, 2019 · Amount on File
Deed Document Number	20231941703
Record Updated	Oct 29, 2026

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 1, 2023
Property Address	382 CHARLES ST, READING, MA 01867-1857
Document Number	0001941703
Instrument Date	Aug 1, 2023
Instrument	1941703
Transaction Type	Transfer
Record Updated	Aug 18, 2023

Transaction

Amount	Amount on Record
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	382 CHARLES ST, READING, MA 01867-1857
Investor	Possibly a Property Investor

Mortgage

Document Number	0001941704
Date	Aug 1, 2023
Instrument	1941704

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP.

Agreement

Type	FHA Mortgage
Amount	Amount on Record

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	382 CHARLES ST, READING, MA 01867-1857
Document Number	0001857904
Instrument Date	Oct 16, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	382 CHARLES ST READING MA 018671857, READING, MA 01867-1857

Mortgage

Document Number	0001857904
Date	Oct 23, 2020
Instrument	1857904

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2050

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	May 31, 2019
Property Address	382 CHARLES ST, READING, MA 01867-1857
Document Number	0000014543
Instrument Date	May 22, 2019
Instrument	14543
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,508.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	382 CHARLES ST READING MA 018671857, READING, MA 01867-1857

Mortgage

Document Number	14544
Date	May 31, 2019
Instrument	14544

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 30, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 382 Charles St was $10,621, 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	$10,621.00 (+3.52%)	$969,100 (+7.58%) Land $533,800 Building $435,300	$1,010,197 (+8.4%)
2025	$10,260.00 (+1.59%)	$900,800 (+4.54%) Land $496,200 Building $404,600	$931,950 (+7.21%)
2024	$10,099.00 (+6.92%)	$861,700 (+14.86%) Land $481,100 Building $380,600	$869,250
2023	$9,445.00	$750,200 Land $419,100 Building $331,100

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

Flood

FEMA maps place 382 Charles St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 382 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	Direct burnable vegetation

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 and 4G LTE (outdoors only)

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