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40 Howard St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 40 Howard St, Reading, MA 01867

Property Summary

Property TypeSingle Family Home
Details5 bd · 2.5 ba · 3,491 sqft · built 1921
Lot Size0.399 acres (17,376 sqft)
Owner2 Individual Names on File
Last Sale$750,000 (May 2010)
Tax Bill$13,338 (2025)
Deeds & MortgagesMar 2026 Mortgage
Mar 2020 Refinance
Flood ZoneZone X (minimal risk)
APNREAD M:010.0-0000-0224.0

Property Details

APN / Parcel Number

Primary APNREAD M:010.0-0000-0224.0
Alternative APNs
  • M:010.0=0000=0224.0
  • 320000000190
  • 320000000

Interior

Bedrooms5 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms12 Rooms
Stories3 Stories
Building Area3,491 sqft Living Area
Gross Area4,781 sqft
Basement Area1,092 sqft
Unfinished Basement786 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1921
Effective Year BuiltEffective 1980
Architectural StyleColonial
Exterior MaterialAsbestos
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area17,376 sqft (0.399 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelGas

Location & Zoning

Account Number320000000190
Street Address40 HOWARD ST
CityREADING
StateMA
Zip01867-3313
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeS15
JurisdictionREADING MA
Township / Civil DivisionREADING
Census Block Group3
Census Block3011
Census Tract334100

Owner

Source: Middlesex County and Reading Town records · APN READ M:010.0-0000-0224.0

Assessment roll updated April 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address40 HOWARD ST, READING, MA 01867-3313
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 06, 2026Deed of Trust, Mortgage
JEANNE D ARC CU
Mar 27, 2020Deed of Trust, Mortgage · Stand-Alone Refinance
JEANNE D ARC CU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 26, 2010 · Amount on Record
Deed SaleMay 26, 2010 · Amount on Record
Prior SaleMay 26, 2010 · Amount on Record
Deed Document Number201084103
Deed Book / Page54734 / 135
Record UpdatedSep 20, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionREADING MA
Property Address40 HOWARD ST, READING, MA 01867-3313
Transaction TypeMortgage
Record UpdatedMar 25, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number085312-331
DateMar 06, 2026
Book Page85312/331
Instrument25082
Lender
NameJEANNE D ARC CU
TypeCredit Union
Agreement
AmountAmount Recorded
Term241 Months
DueApr 01, 2046

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionREADING MA
Property Address40 HOWARD ST, READING, MA 01867-3313
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number74362-154
DateMar 27, 2020
Book Page74362/154
Instrument45808
Lender
NameJEANNE D ARC CU
TypeCredit Union
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term181 Months
DueApr 01, 2035

Tax Assessment & Valuation

Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
County SubdivisionReading Town
Unified School DistrictReading School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$13,338.00 (-1.22%)$1,171,000 (+1.64%) Land $583,500 Building $587,500$1,364,770 (-6.56%)
2024$13,503.00 (+6.18%)$1,152,100 (+14.06%) Land $574,000 Building $578,100$1,460,625
2023$12,717.00$1,010,100 Land $502,800 Building $507,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims1 (1978)
Most Recent ClaimFeb 1978 · tidal / storm surge

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 2,000
Verizon
Fiber		980 / 880
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 424 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemREADING WATER DEPARTMENT (MWRA)
serves 26,262 people
Water SourcePurchased surface water from MWRA
Last State InspectionNov 2023
Lead8 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
not recorded as resolved · Oct 2019
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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