Middlesex County and Reading Town property record for 400 Franklin St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,766 sqft · built 1961 |
| Lot Size | 0.488 acres (21,275 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $262,000 (Aug 1998) |
| Tax Bill | $8,662 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:044.0-0000-0099.0 |
| Primary APN | READ M:044.0-0000-0099.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,766 sqft Living Area |
| Gross Area | 2,700 sqft |
| Basement Area | 1,215 sqft |
| Unfinished Basement | 790 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,275 sqft (0.488 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1920000000090 |
|---|---|
| Street Address | 400 FRANKLIN ST |
| City | READING |
| State | MA |
| Zip | 01867-1218 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S20 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 334300 |
Source: Middlesex County and Reading Town records, as of July 22, 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 | 400 FRANKLIN ST, READING, MA 01867-1218 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 1998 · Amount on Record |
| Deed Sale | Aug 26, 1998 · Amount on Record |
| Prior Sale | Jun 5, 1998 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jun 30, 2026 |
| Property Address | 400 FRANKLIN ST, READING, MA 01867-1218 |
| Document Number | 0000079349 |
| Book / Page | 85810 / 526 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 202679349 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 400 FRANKLIN ST, READING, MA 01867-1218 |
| Document Number | 0000079349, |
|---|---|
| Date | Jun 30, 2026 |
| Book Page | 85810/526 |
| Instrument | 202679349 |
| Name | METRO CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,662.00 (+0.23%) | $760,500 (+3.13%) Land $470,800 Building $289,700 | $892,145 (+5.35%) |
| 2024 | $8,642.00 (+6.82%) | $737,400 (+14.75%) Land $456,500 Building $280,900 | $846,830 |
| 2023 | $8,090.00 | $642,600 Land $397,700 Building $244,900 |
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 |
| Nearby Flood Policies | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 144 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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