Middlesex County and North Reading Town property record for 4 Mount Vernon St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,706 sqft · built 1974 |
| Lot Size | 1.34 acres (58,414 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $950,000 (Mar 2022) |
| Tax Bill | $14,409 (2026) |
| Deeds & Mortgages | Aug 2021 Refinance Mar 2020 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:61-P:001 |
| Primary APN | M:61-P:001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,706 sqft Living Area |
| Gross Area | 1,717 sqft |
| 1st Floor Area | 1,731 sqft |
| Basement Area | 1,612 sqft |
| Unfinished Basement | 1,612 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 58,414 sqft (1.34 acres) |
| Pool Type | In-Ground Pool |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 4 MOUNT VERNON ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 1.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 330102 |
4 Mount Vernon St is owned and occupied by two individuals who bought it in March 2022.
Source: Middlesex County and North Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 MOUNT VERNON ST, NORTH READING, MA 01864-2546 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK |
| Mar 17, 2020 | Deed of Trust, Mortgage · Balloon Mortgage EASTERN BANK |
| Sep 30, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance BANGOR SAVINGS BANK |
| Mar 28, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage WASHINGTON TRUST MORTGAGE CO |
| Aug 23, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Dec 21, 2018 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage WINCHESTER COOPERATIVE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 28, 2022 · Amount on File |
| Deed Sale | Mar 28, 2022 · Amount on File |
| Prior Sale | Dec 21, 2018 · Amount on File |
| Deed Book / Page | 79888 / 188 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 4 MOUNT VERNON ST, NORTH READING, MA 01864-2546 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 078467-226 |
|---|---|
| Date | Aug 13, 2021 |
| Book Page | 78467/226 |
| Instrument | 181920 |
| Name | BANGOR SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Sep 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 4 MOUNT VERNON ST, NORTH READING, MA 01864-2546 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0074296-19 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | 74296/19 |
| Instrument | 39254 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 4 MOUNT VERNON ST, NORTH READING, MA 01864-2546 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 075759-162 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 75759/162 |
| Instrument | 174676 |
| Name | BANGOR SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Mar 28, 2022 |
| Property Address | 4 MOUNT VERNON ST, NORTH READING, MA 01864-2546 |
| Document Number | 079888-188 |
| Book / Page | 79888 / 188 |
| Instrument Date | Mar 28, 2022 |
| Instrument | 46129 |
| Transaction Type | Transfer |
| Record Updated | Apr 15, 2022 |
| Amount | Amount on Record |
|---|---|
| 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 | 4 MOUNT VERNON ST, NORTH READING, MA 01864-2546 |
| Document Number | 0000046130 |
|---|---|
| Date | Mar 28, 2022 |
| Instrument | 46130 |
| Name | WASHINGTON TRUST MORTGAGE CO |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.88% |
| Type Change Date | Apr 1, 2029 |
| Max Rate At Change | 3% |
| Index | 1-Year CMT |
| Margin | 3 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 4 MOUNT VERNON ST, NORTH READING, MA 01864-2546 |
| Document Number | 73214-416 |
| Instrument Date | Aug 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4 MOUNT VERNON ST NORTH READING MA 018642546, NORTH READING, MA 01864-2546 |
| Document Number | 73214-416 |
|---|---|
| Date | Sep 3, 2019 |
| Book Page | 073214/000416 |
| Instrument | 132023 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 2, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Dec 21, 2018 |
| Property Address | 4 MOUNT VERNON ST, NORTH READING, MA 01864-2546 |
| Document Number | 72048-472 |
| Book / Page | 72048 / 472 |
| Instrument Date | Nov 17, 2018 |
| Instrument | 194833 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|---|
| Address | 4 MOUNT VERNON ST, NORTH READING, MA 01864-2546 |
| Document Number | 194834 |
|---|---|
| Date | Dec 21, 2018 |
| Instrument | 194834 |
| Name | WINCHESTER COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 4 Mount Vernon St was $14,409, up 2.8% from the year before.
Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $14,409.00 (+2.83%) | $1,106,700 (+3.15%) Land $457,000 Building $649,700 | $1,088,028 |
| 2025 | $14,012.00 (+1.85%) | $1,072,900 (+3.01%) Land $423,200 Building $649,700 | |
| 2024 | $13,758.00 (-11.51%) | $1,041,500 (-6.29%) Land $391,800 Building $649,700 | |
| 2023 | $15,548.00 | $1,111,400 Land $379,200 Building $732,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Mount Vernon St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2001.
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 |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 7 (2001–2010) |
| Claims Outside the SFHA | 3 of 7 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 4 Mount Vernon 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 | None beyond 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 | NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000 |
|---|---|
| Water Source | Purchased surface water from ANDOVER WATER DEPT |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2020 |
|---|---|
| Treatment and Procedure | Coliform assessment Aug 2019 |
| Monitoring and Reporting | 1 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 128 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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