389 Summer Ave, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 389 Summer Ave, Reading, MA 01867 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 5,043 sqft · built 1998
Lot Size	0.813 acres (35,427 sqft)
Owner	2 Individual Names on File
Last Sale	$1,695,000 (Oct 2025)
Tax Bill	$21,070 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25000000015A`

Property Details

APN / Parcel Number

Primary APN	`25000000015A`
Alternative APNs	`READ M:011.0-0000-0030.0` `M:011.0=0000=0030.0` `250000000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	5,043 sqft Living Area
Gross Area	6,679 sqft
Basement Area	2,106 sqft
Unfinished Basement	611 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,427 sqft (0.813 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	25000000015A
Street Address	389 SUMMER AVE
City	READING
State	MA
Zip	01867-3812
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	5
Census Block	5003
Census Tract	334100

Owner

Source: Middlesex County and Reading Town records · APN 25000000015A

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 Individual Names on File
Mailing Address	389 SUMMER AVE, READING, MA 01867-3812
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Quit Claim Deed, Transfer · Conventional Mortgage MIDDLESEX SAVINGS BANK
Oct 23, 2020	Deed of Trust, Mortgage · ARM GUARANTEED RATE INC
Aug 01, 2019	Quit Claim Deed, Transfer GUARANTEED RATE
Nov 10, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 14, 2025 · Amount on Record
Deed Sale	Oct 14, 2025 · Amount on Record
Prior Sale	Aug 01, 2019 · Amount on Record
Deed Document Number	2025124440
Deed Book / Page	84733 / 236
Record Updated	Sep 20, 2026

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Oct 14, 2025
Property Address	389 SUMMER AVE, READING, MA 01867-3812
Document Number	084733-236
Book / Page	84733 / 236
Instrument Date	Oct 14, 2025
Instrument	124440
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	389 SUMMER AVE, READING, MA 01867-3812

Mortgage

Document Number	0000124441
Date	Oct 14, 2025
Instrument	124441

Lender

Name	MIDDLESEX SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Nov 01, 2030
Index	3-Year CMT

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	389 SUMMER AVE, READING, MA 01867-3812
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75962-162
Date	Oct 23, 2020
Book Page	75962/162
Instrument	194057

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.63%
Type Change Date	Nov 01, 2027
Index	LIBOR

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 01, 2019
Property Address	389 SUMMER AVE, READING, MA 01867-3812
Document Number	73041-389
Book / Page	073041 / 000389
Instrument Date	Jul 30, 2019
Instrument	113013
Transaction Type	Transfer
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,748.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	389 SUMMER AVE READING MA 018673812, READING, MA 01867-3812

Mortgage

Document Number	73041-393
Date	Aug 01, 2019
Book Page	073041/000393
Instrument	113014

Lender

Name	GUARANTEED RATE

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2049

Interest

Rate Type	Adjustable Rate

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	389 SUMMER AVE, READING, MA 01867-3812
Document Number	72100-178
Instrument Date	Nov 10, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 SUMMER AVE READING MA 018673812, READING, MA 01867-3812

Mortgage

Document Number	72100-178
Date	Jan 07, 2019
Book Page	072100/000178
Instrument	2424

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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	$21,070.00 (+1.14%)	$1,849,900 (+4.07%) Land $549,000 Building $1,300,900	$1,696,890 (-4.92%)
2024	$20,832.00 (+3.17%)	$1,777,500 (+10.84%) Land $527,400 Building $1,250,100	$1,784,765
2023	$20,191.00	$1,603,700 Land $475,500 Building $1,128,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173341005, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 424 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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