384 Franklin St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 384 Franklin St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,557 sqft · built 1962
Lot Size	0.478 acres (20,843 sqft)
Owner	2 Company Names on Record
Last Sale	$610,000 (Jan 2021)
Tax Bill	$10,368 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:044.0-0000-0097.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:044.0-0000-0097.0`
Alternative APNs	`M:044.0=0000=0097.0` `1920000000070` `1920000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,557 sqft Living Area
Gross Area	4,768 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1978
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,843 sqft (0.478 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1920000000070
Street Address	384 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

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 Company Names on Record
Mailing Address	384 FRANKLIN ST, READING, MA 01867-1036
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · Line of Credit LEADER BANK NA
Jan 22, 2024	Quit Claim Deed, Transfer Quitclaim
Jan 13, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2021 · Amount on Record
Deed Sale	Jan 13, 2021 · Amount on Record
Deed Document Number	20218129
Deed Book / Page	76683 / 59
Last Transfer Date	Dec 15, 2023
Transfer Doc	082414-290
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	384 FRANKLIN ST, READING, MA 01867-1036
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084697-382
Date	Oct 3, 2025
Book Page	84697/382
Instrument	120642

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jan 22, 2024
Property Address	384 FRANKLIN ST, READING, MA 01867-1036
Document Number	082414-290
Book / Page	82414 / 290
Instrument Date	Dec 15, 2023
Instrument	6627
Transaction Type	Transfer
Record Updated	Feb 9, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	384 FRANKLIN ST, READING, MA 01867-1036

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jan 13, 2021
Property Address	384 FRANKLIN ST, READING, MA 01867-1036
Document Number	76683-59
Book / Page	76683 / 59
Instrument Date	Jan 12, 2021
Instrument	8129
Transaction Type	Transfer
Record Updated	May 12, 2021

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	384 FRANKLIN ST, READING, MA 01867-1036
Investor	Possibly a Property Investor

Mortgage

Document Number	8130
Date	Jan 13, 2021
Instrument	8130

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
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	$10,368.00 (+3.51%)	$946,000 (+7.57%) Land $531,500 Building $414,200	$977,802 (+24.14%)
2025	$10,016.00 (+0.21%)	$879,400 (+3.12%) Land $494,000 Building $385,400	$787,645 (+1.48%)
2024	$9,995.00 (+7.24%)	$852,800 (+15.2%) Land $479,100 Building $373,700	$776,150
2023	$9,320.00	$740,300 Land $417,300 Building $323,000

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 99.1% of the US · lower than 98.7% 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

Cell Coverage

5G (outdoors only) and 4G LTE

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