Middlesex County and North Reading Town property record for 4 Oak Ave, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,720 sqft · built 1937 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $705,000 (Jul 2023) |
| Tax Bill | $8,160 (2026) |
| Deeds & Mortgages | Feb 2021 Line of Credit Jul 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:14-P:039 |
| Primary APN | M:14-P:039 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,720 sqft Living Area |
| 1st Floor Area | 875 sqft |
| Basement Area | 504 sqft |
| Unfinished Basement | 168 sqft |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1937 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,148 sqft (0.21 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 4 OAK AVE |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-1628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Lot Number | 39.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 330202 |
Source: Middlesex County and North 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 | Individual Name on Record |
|---|---|
| Mailing Address | 4 OAK AVE, NORTH READING, MA 01864-1628 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 10, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND |
| Jul 28, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage M & T BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 28, 2023 · Amount on Record |
| Deed Sale | Jul 28, 2023 · Amount on Record |
| Prior Sale | Oct 23, 2007 · Amount on Record |
| Deed Book / Page | 81829 / 89 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 4 OAK AVE, NORTH READING, MA 01864-1628 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 076928-330 |
|---|---|
| Date | Feb 10, 2021 |
| Book Page | 76928/330 |
| Instrument | 30527 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Mar 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Jul 28, 2023 |
| Property Address | 4 OAK AVE, NORTH READING, MA 01864-1628 |
| Document Number | 0081829-89 |
| Book / Page | 81829 / 89 |
| Instrument Date | Jul 28, 2023 |
| Instrument | 84337 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| 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 |
|---|---|
| Address | 4 OAK AVE, NORTH READING, MA 01864-1628 |
| Investor | Possibly a Property Investor |
| Document Number | 0000084338 |
|---|---|
| Date | Jul 28, 2023 |
| Instrument | 84338 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $8,160.00 (+2.03%) | $626,700 (+2.34%) Land $364,600 Building $262,100 | $736,361 |
| 2025 | $7,998.00 (+2.15%) | $612,400 (+3.32%) Land $350,300 Building $262,100 | |
| 2024 | $7,830.00 (+7.79%) | $592,700 (+14.16%) Land $330,600 Building $262,100 | |
| 2023 | $7,264.00 | $519,200 Land $303,700 Building $215,500 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 90% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 162 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
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