Middlesex County and Reading Town property record for 40 Oak St, Reading, MA 01867 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1975 |
| Square Footage | 1,983 sqft Living Area |
| Lot Size | 11,060 sqft (0.254 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $1,000,000 (2025) |
| Tax Bill | $9,851.00 (2025) |
Source: Middlesex County and Reading Town records · APN READ M:011.0-0000-0018.0
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 OAK ST, READING, MA 01867-3701 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Tenant By Entirety |
| Date | Document |
|---|---|
| Nov 06, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| May 05, 2025 | Quit Claim Arm's Length for NE States, Transfer · Stand Alone First Mortgage LEADER BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 05, 2025 · Amount on Record |
| Deed Sale | May 05, 2025 · Amount on Record |
| Prior Sale | Nov 30, 1999 · Amount on Record |
| Deed Book / Page | 84050 / 500 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 40 OAK ST, READING, MA 01867-3701 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 083441-376 |
|---|---|
| Date | Nov 06, 2024 |
| Book Page | 83441/376 |
| Instrument | 126739 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Dec 01, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | May 05, 2025 |
| Property Address | 40 OAK ST, READING, MA 01867-3701 |
| Document Number | 084050-500 |
| Book / Page | 84050 / 500 |
| Instrument Date | May 05, 2025 |
| Instrument | 47961 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 40 OAK ST, READING, MA 01867-3701 |
| Document Number | 0000047962 |
|---|---|
| Date | May 05, 2025 |
| Instrument | 47962 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,851.00 (+1.17%) | $864,900 (+4.1%) Land $437,400 Building $427,500 | $942,020 (+15.95%) |
| 2024 | $9,737.00 (+3.24%) | $830,800 (+10.91%) Land $420,100 Building $410,700 | $812,440 |
| 2023 | $9,431.00 | $749,100 Land $378,800 Building $370,300 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | READ M:011.0-0000-0018.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 1,983 sqft Living Area |
| Gross Area | 3,280 sqft Gross Area |
| Basement Area | 875 sqft Basement |
| Unfinished Basement | 499 sqft Unfinished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Cape Cod Style |
| Exterior Material | Wood Siding Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 11,060 sqft (0.254 acres) |
| Garage Type | Attached Garage |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Account Number | 240000000980 |
|---|---|
| Street Address | 40 OAK ST |
| City | READING |
| State | MA |
| Zip | 01867-3701 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Jurisdiction | READING MA |
| Minor Civil Division | READING |
| Census Blockgroup | 5 |
| Census Block | 5003 |
| Census Tract | 334100 |
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