Middlesex County and Reading Town property record for 405 Lowell St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,323 sqft · built 1939 |
| Lot Size | 0.22 acres (9,601 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (Apr 2013) |
| Tax Bill | $7,635 (2026) |
| Deeds & Mortgages | Oct 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:032.0-0000-0100.0 |
| Primary APN | READ M:032.0-0000-0100.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,323 sqft Living Area |
| Gross Area | 2,669 sqft |
| Basement Area | 640 sqft |
| Unfinished Basement | 640 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,601 sqft (0.22 acres) |
| Garage Type | Attached |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1270000000260 |
|---|---|
| Street Address | 405 LOWELL ST |
| City | READING |
| State | MA |
| Zip | 01867-1528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 334300 |
405 Lowell St is owned and occupied by two individuals who bought it in April 2013.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 LOWELL ST, READING, MA 01867-1528 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2013 · Amount on File |
| Deed Sale | Apr 29, 2013 · Amount on File |
| Prior Sale | Apr 29, 2013 · Amount on File |
| Deed Book / Page | 61696 / 155 |
| Transfer Doc | 6169000155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 405 LOWELL ST, READING, MA 01867-1528 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 080868-227 |
|---|---|
| Date | Oct 26, 2022 |
| Book Page | 80868/227 |
| Instrument | 158995 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
The 2026 property tax bill for 405 Lowell St was $7,635, down 2.3% from the year before.
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 |
|---|---|---|---|
| 2026 | $7,635.00 (-2.25%) | $696,600 (+1.57%) Land $421,500 Building $275,100 | $720,702 (+2.92%) |
| 2025 | $7,811.00 (+1.17%) | $685,800 (+4.1%) Land $414,900 Building $270,900 | $700,245 (+4.26%) |
| 2024 | $7,721.00 (+3.72%) | $658,800 (+11.42%) Land $398,600 Building $260,200 | $671,650 |
| 2023 | $7,444.00 | $591,300 Land $359,400 Building $231,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Lowell St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.
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 | 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.
The area around 405 Lowell St 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.
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 229 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 |
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