Middlesex County and North Reading Town property record for 40 Chestnut St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,082 sqft · built 1956 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $729,000 (May 2026) |
| Tax Bill | $7,683 (2026) |
| Deeds & Mortgages | Feb 2021 Refinance May 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:56-P:003 |
| Primary APN | M:56-P:003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,082 sqft Living Area |
| 1st Floor Area | 1,082 sqft |
| Basement Area | 1,082 sqft |
| Unfinished Basement | 762 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,473 sqft (0.47 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 40 CHESTNUT ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2821 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 3.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1016 |
| 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 | 40 CHESTNUT ST, NORTH READING, MA 01864-2821 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP |
| May 27, 2026 | Quit Claim Deed, Transfer · ARM LEADER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2026 · Amount on Record |
| Deed Sale | May 27, 2026 · Amount on Record |
| Prior Sale | Mar 6, 2015 |
| Deed Document Number | 202661049 |
| Deed Book / Page | 85648 / 249 |
| Prior Transfer Date | May 22, 2026 |
| Prior Transfer Doc | 085648-249 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 40 CHESTNUT ST, NORTH READING, MA 01864-2821 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2026 |
| Name | Verified Name |
|---|
| Document Number | 076987-514 |
|---|---|
| Date | Feb 17, 2021 |
| Book Page | 76987/514 |
| Instrument | 35847 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | May 27, 2026 |
| Property Address | 40 CHESTNUT ST, NORTH READING, MA 01864-2821 |
| Document Number | 085648-249 |
| Book / Page | 85648 / 249 |
| Instrument Date | May 22, 2026 |
| Instrument | 202661049 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 40 CHESTNUT ST, NORTH READING, MA 01864-2821 |
| Date | May 27, 2026 |
|---|
| Name | LEADER BANK NA |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.63% |
| Initial Type | Adjustable Rate |
| Type Change Date | Jun 1, 2033 |
| Index | 1-Month LIBOR |
| Margin | 3 |
| Max Rate | -1% |
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 | $7,683.00 (+2.33%) | $590,100 (+2.64%) Land $396,000 Building $194,100 | $685,917 |
| 2025 | $7,508.00 (+2.76%) | $574,900 (+3.94%) Land $380,800 Building $194,100 | |
| 2024 | $7,306.00 (+7.3%) | $553,100 (+13.64%) Land $359,000 Building $194,100 | |
| 2023 | $6,809.00 | $486,700 Land $329,700 Building $157,000 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 135 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
5G (outdoors only) and 4G LTE
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