40 Pennsylvania Ave, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 40 Pennsylvania Ave, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,281 sqft · built 1967
Lot Size	0.296 acres (12,872 sqft)
Owner	2 Individual Names on File
Last Sale	$1,004,000 (Aug 2021)
Tax Bill	$11,259 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Aug 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:007.0-0000-0211.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:007.0-0000-0211.0`
Alternative APNs	`M:007.0=0000=0211.0` `180000000150` `180000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,281 sqft Living Area
Gross Area	3,528 sqft
Basement Area	788 sqft
Unfinished Basement	481 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,872 sqft (0.296 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	180000000150
Street Address	40 PENNSYLVANIA AVE
City	READING
State	MA
Zip	01867-3855
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	5
Census Block	5014
Census Tract	334100

Owner

40 Pennsylvania Ave is owned and occupied by two individuals who bought it in August 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	40 PENNSYLVANIA AVE, READING, MA 01867-3855
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Sep 13, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Aug 5, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MSA LENDING LLC
Jun 15, 2017	Quit Claim Deed, Transfer Quitclaim
Jun 15, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2021 · Amount on File
Deed Sale	Aug 5, 2021 · Amount on File
Prior Sale	Jun 15, 2017
Deed Document Number	2021176327
Deed Book / Page	78414 / 83
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	40 PENNSYLVANIA AVE, READING, MA 01867-3855
Transaction Type	Mortgage
Record Updated	Sep 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080700-308
Date	Sep 13, 2022
Book Page	80700/308
Instrument	139046

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 5, 2021
Property Address	40 PENNSYLVANIA AVE, READING, MA 01867-3855
Document Number	78414-83
Book / Page	78414 / 83
Instrument Date	Aug 5, 2021
Instrument	176327
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	40 PENNSYLVANIA AVE, READING, MA 01867-3855

Mortgage

Document Number	176328
Date	Aug 5, 2021
Instrument	176328

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jun 15, 2017
Property Address	40 PENNSYLVANIA AVE, READING, MA 01867-3855
Document Number	69433-503
Book / Page	069433 / 000503
Instrument Date	May 5, 2017
Instrument	89856
Transaction Type	Transfer
Record Updated	Jul 4, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 PENNSYLVANIA AVE READING MA 018673855, READING, MA 01867-3855

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jun 15, 2017
Property Address	40 PENNSYLVANIA AVE, READING, MA 01867-3855
Document Number	69433-501
Book / Page	069433 / 000501
Instrument Date	May 5, 2017
Instrument	89855
Transaction Type	Transfer
Record Updated	Jul 4, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 PENNSYLVANIA AVE READING MA 018673855, READING, MA 01867-3855

Tax Assessment & Valuation

The 2026 property tax bill for 40 Pennsylvania Ave was $11,259, up 0.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,259.00 (+0.91%)	$1,027,300 (+4.88%) Land $591,600 Building $433,900	$1,175,463 (+10.31%)
2025	$11,157.00 (-1.22%)	$979,500 (+1.64%) Land $564,000 Building $415,500	$1,065,615 (-0.65%)
2024	$11,295.00 (+6.25%)	$963,700 (+14.13%) Land $554,900 Building $408,800	$1,072,550
2023	$10,631.00	$844,400 Land $486,100 Building $358,300

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

Flood

FEMA maps place 40 Pennsylvania Ave in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	3 in force

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 40 Pennsylvania Ave 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	READING WATER DEPARTMENT (MWRA) serves 26,262 people · EPA ID MA3246000
Water Source	Purchased surface water from MWRA
Last State Inspection	Nov 2023
Lead	8 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli not recorded as resolved · Oct 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 425 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: T-Mobile.

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