4 Sachem St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 4 Sachem St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,476 sqft · built 1964
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Trust Names on File
Tax Bill	$10,488 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:14-P:015`

Property Details

APN / Parcel Number

Primary APN	`M:14-P:015`
Alternative APN	`NREA M:014.0 B:0000 L:0015.0`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,476 sqft Living Area
Gross Area	1,762 sqft
1st Floor Area	1,762 sqft
Basement Area	952 sqft
Unfinished Basement	352 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	4 SACHEM ST
City	NORTH READING
State	MA
Zip	01864-1237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Lot Number	15.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	3
Census Block	3012
Census Tract	330202

Owner

4 Sachem St is owner-occupied and held in a trust since August 2025.

Source: Middlesex County and North Reading Town records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4 SACHEM ST, NORTH READING, MA 01864-1237
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 20, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Feb 10, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Sep 9, 2025	Quit Claim Deed, Transfer Quitclaim
Oct 22, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2009
Deed Sale	Sep 28, 2009
Prior Sale	Oct 20, 2008
Deed Book / Page	1375 / 47
Last Transfer Date	Aug 28, 2025
Transfer Doc	0001984679
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Recording Date	Jun 29, 2026
Property Address	4 SACHEM ST, NORTH READING, MA 01864-1237
Document Number	0002002710
Instrument Date	Jun 16, 2026
Instrument	20262002710
Transaction Type	Mortgage
Record Updated	Jul 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002002710,
Date	Jun 29, 2026
Instrument	20262002710

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.51%
Initial Type	Adjustable Rate
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	4 SACHEM ST, NORTH READING, MA 01864-1237
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001911848
Date	Apr 20, 2022
Instrument	1911848

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	4 SACHEM ST, NORTH READING, MA 01864-1237
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001906294
Date	Feb 10, 2022
Instrument	1906294

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Sep 9, 2025
Property Address	4 SACHEM ST, NORTH READING, MA 01864-1237
Document Number	0001984679
Instrument Date	Aug 28, 2025
Instrument	1984679
Transaction Type	Transfer
Record Updated	Oct 1, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 SACHEM ST, NORTH READING, MA 01864-1237

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	4 SACHEM ST, NORTH READING, MA 01864-1237
Document Number	0000075256
Instrument Date	Oct 22, 2017
Transaction Type	Mortgage
Record Updated	Dec 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075256
Date	Nov 14, 2017
Instrument	75256

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 4 Sachem St was $10,488, down 3.8% from the year before.

Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	North Reading Town
Unified School District	North Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,488.00 (-3.83%)	$805,500 (-3.54%) Land $395,200 Building $410,300	$874,587
2025	$10,906.00 (+3.11%)	$835,100 (+4.3%) Land $380,000 Building $455,100
2024	$10,577.00 (+6.77%)	$800,700 (+13.08%) Land $358,400 Building $442,300
2023	$9,906.00	$708,100 Land $329,100 Building $379,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4 Sachem St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Flood Insurance Cost	Premium on File median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	2 (2006–2010)
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.

Wildfire

The area around 4 Sachem St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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