400 Grove St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 400 Grove St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,658 sqft · built 1992
Lot Size	0.468 acres (20,399 sqft)
Owner	2 Individual Names on File
Last Sale	$857,000 (Oct 2019)
Tax Bill	$12,239 (2026)
Deeds & Mortgages	Sep 2020 Refinance Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:043.0-0000-0015.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:043.0-0000-0015.0`
Alternative APNs	`M:043.0=0000=0015.0` `1740000000150` `1740000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,658 sqft Living Area
Gross Area	5,548 sqft
Basement Area	1,380 sqft
Unfinished Basement	1,380 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,399 sqft (0.468 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1740000000150
Street Address	400 GROVE ST
City	READING
State	MA
Zip	01867-1210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	4
Census Block	4008
Census Tract	334300

Owner

400 Grove St is owned and occupied by two individuals who bought it in October 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	400 GROVE ST, READING, MA 01867-1210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance EVERETT COOPERATIVE BANK
Oct 31, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EVERETT COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2019 · Amount on File
Deed Sale	Oct 31, 2019 · Amount on File
Deed Document Number	2019169736
Deed Book / Page	73569 / 186
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	400 GROVE ST, READING, MA 01867-1210
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75737-41
Date	Sep 28, 2020
Book Page	75737/41
Instrument	172758

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Oct 31, 2019
Property Address	400 GROVE ST, READING, MA 01867-1210
Document Number	73569-186
Book / Page	73569 / 186
Instrument Date	Oct 31, 2019
Instrument	169736
Transaction Type	Transfer
Record Updated	May 12, 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
Address	400 GROVE ST, READING, MA 01867-1210

Mortgage

Document Number	169737
Date	Oct 31, 2019
Instrument	169737

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 400 Grove St was $12,239, up 1.5% 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	$12,239.00 (+1.53%)	$1,116,700 (+5.51%) Land $549,900 Building $566,800	$1,325,890 (+25.11%)
2025	$12,055.00 (+1.16%)	$1,058,400 (+4.09%) Land $521,200 Building $537,200	$1,059,820 (+3.33%)
2024	$11,917.00 (+3.26%)	$1,016,800 (+10.92%) Land $500,700 Building $516,100	$1,025,620
2023	$11,541.00	$916,700 Land $451,400 Building $465,300

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

Flood

FEMA maps place 400 Grove St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1978–2004)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Apr 2004 · Flooding

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

Wildfire risk around 400 Grove St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 49 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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