39 Ter Park, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 39 Ter Park, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,431 sqft · built 1981
Lot Size	1.37 acres (59,677 sqft)
Owner	2 Individual Names on Record
Last Sale	$760,000 (Aug 2017)
Tax Bill	$12,796 (2026)
Deeds & Mortgages	Sep 2021 Refinance Aug 2021 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:051.0-0000-0058.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:051.0-0000-0058.0`
Alternative APNs	`M:051.0=0000=0058.0` `2080000000440` `2080000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,431 sqft Living Area
Gross Area	4,908 sqft
Basement Area	1,367 sqft
Unfinished Basement	1,367 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	59,677 sqft (1.37 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2080000000440
Street Address	39 TERRACE PARK
City	READING
State	MA
Zip	01867-1047
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	3008
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 Individual Names on Record
Mailing Address	39 TERRACE PARK, READING, MA 01867-1047
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Aug 31, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK
Sep 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Aug 31, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK
Apr 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Aug 31, 2017	Quit Claim Deed, Transfer BERKSHIRE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2017 · Amount on Record
Deed Sale	Aug 31, 2017 · Amount on Record
Prior Sale	Jun 13, 1986 · Amount on Record
Deed Book / Page	69865 / 557
Transfer Doc	069865-557
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	39 TERRACE PARK, READING, MA 01867-1047
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078666-224
Date	Sep 10, 2021
Book Page	78666/224
Instrument	201700

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	39 TERRACE PARK, READING, MA 01867-1047
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078588-575
Date	Aug 31, 2021
Book Page	78588/575
Instrument	194201

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	229 Months
Due	Sep 1, 2040

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	39 TERRACE PARK, READING, MA 01867-1047
Transaction Type	Mortgage
Record Updated	Sep 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78666-224
Date	Sep 10, 2021
Book Page	78666/224
Instrument	201700

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	39 TERRACE PARK, READING, MA 01867-1047
Transaction Type	Mortgage
Record Updated	Sep 17, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78588-575
Date	Aug 31, 2021
Book Page	78588/575
Instrument	194201

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	229 Months
Due	Sep 1, 2040

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	39 TERRACE PARK, READING, MA 01867-1047
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74491-403
Date	Apr 17, 2020
Book Page	74491/403
Instrument	57236

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 31, 2017
Property Address	39 TERRACE PARK, READING, MA 01867-1047
Document Number	69865-557
Book / Page	69865 / 557
Instrument	140949
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$106.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 TERRACE PARK, READING, MA 01867-1047

Mortgage

Date	Aug 31, 2017

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Aug 31, 2047

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	$12,796.00 (+0.92%)	$1,167,500 (+4.88%) Land $698,800 Building $468,700	$1,248,253 (+12.68%)
2025	$12,679.00 (-1.2%)	$1,113,200 (+1.66%) Land $666,300 Building $446,900	$1,107,795 (-2.78%)
2024	$12,833.00 (+6.27%)	$1,095,000 (+14.16%) Land $655,400 Building $439,600	$1,139,525
2023	$12,076.00	$959,200 Land $574,100 Building $385,100

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 200 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 and 4G LTE (outdoors only)

Nearby Properties on Ter Park

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures