409 Grove St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 409 Grove St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,587 sqft · built 1960
Lot Size	0.517 acres (22,499 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Nov 2019)
Tax Bill	$13,070 (2026)
Deeds & Mortgages	Aug 2025 Line of Credit Apr 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`187000000003A`

Property Details

APN / Parcel Number

Primary APN	`187000000003A`
Alternative APNs	`READ M:043.0-0000-0026.0` `M:043.0=0000=0026.0` `1870000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,587 sqft Living Area
Gross Area	6,114 sqft
Basement Area	1,938 sqft
Unfinished Basement	1,589 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	22,499 sqft (0.517 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	187000000003A
Street Address	409 GROVE ST
City	READING
State	MA
Zip	01867-1211
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	4000
Census Tract	334300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	409 GROVE ST, READING, MA 01867-1211
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 21, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
May 26, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Dec 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Nov 18, 2019	Quit Claim Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2019 · Amount on Record
Deed Sale	Nov 18, 2019 · Amount on Record
Deed Document Number	2019180026
Deed Book / Page	73663 / 26
Prior Transfer Date	Nov 14, 2019
Prior Transfer Doc	73663-26
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	409 GROVE ST, READING, MA 01867-1211
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084507-443
Date	Aug 19, 2025
Book Page	84507/443
Instrument	99154

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	409 GROVE ST, READING, MA 01867-1211
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	081447-275
Date	Apr 21, 2023
Book Page	81447/275
Instrument	39881

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	409 GROVE ST, READING, MA 01867-1211
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77864-366
Date	May 26, 2021
Book Page	77864/366
Instrument	119252

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2046

Interest

Rate Type	Adjustable Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	409 GROVE ST, READING, MA 01867-1211
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76574-1
Date	Dec 30, 2020
Book Page	76574/1
Instrument	251668

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2050

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Nov 18, 2019
Property Address	409 GROVE ST, READING, MA 01867-1211
Document Number	73663-26
Book / Page	073663 / 000026
Instrument Date	Nov 14, 2019
Instrument	26
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,964.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 GROVE ST READING MA 018671211, READING, MA 01867-1211

Mortgage

Document Number	73663-30
Date	Nov 18, 2019
Book Page	073663/000030
Instrument	27

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2049

Tax Assessment & Valuation

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	$13,070.00 (+2.84%)	$1,192,500 (+6.87%) Land $502,400 Building $680,600	$1,247,621 (+37.59%)
2025	$12,709.00 (+1.14%)	$1,115,800 (+4.07%) Land $476,200 Building $639,600	$906,775 (+4.1%)
2024	$12,566.00 (+3.15%)	$1,072,200 (+10.81%) Land $457,400 Building $614,800	$871,055
2023	$12,182.00	$967,600 Land $412,400 Building $555,200

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

Flood

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 500 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

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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