Middlesex County and Reading Town property record for 409 Lowell St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,430 sqft · built 1947 |
| Lot Size | 0.218 acres (9,514 sqft) |
| Owner | Individual Name on File |
| Last Sale | $465,000 (Sep 2012) |
| Tax Bill | $9,095 (2026) |
| Deeds & Mortgages | Feb 2021 Refinance Aug 2022 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:032.0-0000-0099.0 |
| Primary APN | READ M:032.0-0000-0099.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,430 sqft Living Area |
| Gross Area | 3,281 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 338 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,514 sqft (0.218 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1270000000250 |
|---|---|
| Street Address | 409 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 |
409 Lowell St is owned and occupied by an individual who bought it in September 2012.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 409 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.
| Date | Document |
|---|---|
| Feb 5, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Aug 2, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Aug 31, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Aug 31, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Jun 4, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Aug 25, 2020 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK OF RHODE ISLAND |
| Sep 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 20, 2012 · Amount on File |
| Deed Sale | Sep 20, 2012 · Amount on File |
| Deed Book / Page | 60052 / 344 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 409 LOWELL ST, READING, MA 01867-1528 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 076898-337 |
|---|---|
| Date | Feb 5, 2021 |
| Book Page | 76898/337 |
| Instrument | 27545 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 409 LOWELL ST, READING, MA 01867-1528 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 080523-390 |
|---|---|
| Date | Aug 2, 2022 |
| Book Page | 80523/390 |
| Instrument | 117991 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Sep 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 409 LOWELL ST, READING, MA 01867-1528 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 078584-564 |
|---|---|
| Date | Aug 31, 2021 |
| Book Page | 78584/564 |
| Instrument | 193845 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 409 LOWELL ST, READING, MA 01867-1528 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78584-564 |
|---|---|
| Date | Aug 31, 2021 |
| Book Page | 78584/564 |
| Instrument | 193845 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 409 LOWELL ST, READING, MA 01867-1528 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74815-486 |
|---|---|
| Date | Jun 4, 2020 |
| Book Page | 74815/486 |
| Instrument | 85567 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 409 LOWELL ST, READING, MA 01867-1528 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75442-188 |
|---|---|
| Date | Aug 25, 2020 |
| Book Page | 75442/188 |
| Instrument | 145387 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Sep 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 409 LOWELL ST, READING, MA 01867-1528 |
| Document Number | 73350-339 |
| Instrument Date | Sep 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 409 LOWELL ST READING MA 018671528, READING, MA 01867-1528 |
| Document Number | 73350-339 |
|---|---|
| Date | Sep 26, 2019 |
| Book Page | 073350/000339 |
| Instrument | 147058 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 25, 2034 |
The 2026 property tax bill for 409 Lowell St was $9,095, down 2.2% 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 | $9,095.00 (-2.25%) | $829,800 (+1.58%) Land $421,200 Building $407,900 | $844,402 (-9.73%) |
| 2025 | $9,304.00 (+1.15%) | $816,900 (+4.09%) Land $414,600 Building $402,300 | $935,465 (+5.52%) |
| 2024 | $9,198.00 (+3.24%) | $784,800 (+10.91%) Land $398,300 Building $386,500 | $886,540 |
| 2023 | $8,909.00 | $707,600 Land $359,100 Building $348,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 409 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 409 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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