Middlesex County and Reading Town property record for 386 Lowell St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,601 sqft · built 1898 |
| Lot Size | 0.301 acres (13,116 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $780,000 (May 2021) |
| Tax Bill | $9,942 (2026) |
| Deeds & Mortgages | May 2021 Sale & Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:026.0-0000-0169.0 |
| Primary APN | READ M:026.0-0000-0169.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 3 Stories |
| Building Area | 2,601 sqft Living Area |
| Gross Area | 4,351 sqft |
| 1st Floor Area | 512 sqft |
| Basement Area | 882 sqft |
| Unfinished Basement | 882 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 13,116 sqft (0.301 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1200000000150 |
|---|---|
| Street Address | 386 LOWELL ST |
| City | READING |
| State | MA |
| Zip | 01867-1526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 334200 |
Source: Middlesex County and Reading Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 386 LOWELL ST, READING, MA 01867-1526 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 26, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA |
| Jun 10, 2020 | Deed of Trust, Mortgage · Balloon Mortgage LIBERTY BAY CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 26, 2021 · Amount on Record |
| Deed Sale | May 26, 2021 · Amount on Record |
| Prior Sale | Jan 20, 1984 · Amount on Record |
| Deed Document Number | 2021119197 |
| Deed Book / Page | 77863 / 576 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | May 26, 2021 |
| Property Address | 386 LOWELL ST, READING, MA 01867-1526 |
| Document Number | 77863-576 |
| Book / Page | 77863 / 576 |
| Instrument Date | May 26, 2021 |
| Instrument | 119197 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 386 LOWELL ST, READING, MA 01867-1526 |
| Document Number | 119198 |
|---|---|
| Date | May 26, 2021 |
| Instrument | 119198 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 386 LOWELL ST, READING, MA 01867-1526 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74854-114 |
|---|---|
| Date | Jun 10, 2020 |
| Book Page | 74854/114 |
| Instrument | 89556 |
| Name | LIBERTY BAY CREDIT UNION |
|---|
| 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 | $9,942.00 (-2.28%) | $907,100 (+1.56%) Land $433,100 Building $466,300 | $1,131,786 (+15.25%) |
| 2025 | $10,174.00 (+1.14%) | $893,200 (+4.07%) Land $426,400 Building $466,800 | $982,015 (+5.46%) |
| 2024 | $10,059.00 (+3.15%) | $858,300 (+10.81%) Land $409,600 Building $448,700 | $931,190 |
| 2023 | $9,752.00 | $774,600 Land $369,300 Building $405,300 |
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 | 2 in force |
| Nearby Flood Claims | 1 (2010) |
| Claims Outside the SFHA | 1 of 1 |
| 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.
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 229 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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