Middlesex County and North Reading Town property record for 4 Willow St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 832 sqft · built 1967 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $435,000 (Jul 2021) |
| Tax Bill | $7,278 (2026) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | M:54-P:032 |
| Primary APN | M:54-P:032 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 832 sqft Living Area |
| 1st Floor Area | 832 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 432 sqft |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 4 WILLOW ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2523 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LB |
| Legal Lot Number | 32.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 330102 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4 WILLOW ST, NORTH READING, MA 01864-2523 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 15, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage MSA LENDING LLC |
| Apr 21, 2017 | Quit Claim Deed, Transfer · Conventional with PMI GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2021 · Amount on Record |
| Deed Sale | Jul 15, 2021 · Amount on Record |
| Prior Sale | Apr 21, 2017 · Amount on Record |
| Deed Book / Page | 78254 / 63 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Jul 15, 2021 |
| Property Address | 4 WILLOW ST, NORTH READING, MA 01864-2523 |
| Document Number | 0078254-63 |
| Book / Page | 78254 / 63 |
| Instrument Date | Jul 15, 2021 |
| Instrument | 159984 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2023 |
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 0000159985 |
|---|---|
| Date | Jul 15, 2021 |
| Instrument | 159985 |
| Name | MSA LENDING LLC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Apr 21, 2017 |
| Property Address | 4 WILLOW ST, NORTH READING, MA 01864-2523 |
| Document Number | 69169-473 |
| Book / Page | 069169 / 000473 |
| Instrument Date | Apr 21, 2017 |
| Instrument | 58025 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,643.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 WILLOW ST NORTH READING MA 018642523, NORTH READING, MA 01864-2523 |
| Document Number | 69169-476 |
|---|---|
| Date | Apr 21, 2017 |
| Book Page | 069169/000476 |
| Instrument | 58026 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 20, 2047 |
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 | $7,278.00 (+5.22%) | $559,000 (+5.55%) Land $396,900 Building $162,100 | $559,190 |
| 2025 | $6,917.00 (+4.19%) | $529,600 (+5.37%) Land $367,500 Building $162,100 | |
| 2024 | $6,639.00 (+3.01%) | $502,600 (+9.09%) Land $340,500 Building $162,100 | |
| 2023 | $6,445.00 | $460,700 Land $329,600 Building $131,100 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record 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.
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 | 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 167 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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