Middlesex County and North Reading Town property record for 41 Central St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,120 sqft · built 1960 |
| Lot Size | 2.77 acres (120,661 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $479,900 (Aug 2017) |
| Tax Bill | $9,063 (2026) |
| Deeds & Mortgages | Oct 2024 Mortgage Jul 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:42-P:032 |
| Primary APN | M:42-P:032 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 1,120 sqft |
| Basement Area | 1,120 sqft |
| Unfinished Basement | 440 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Flat |
| Roof Material | Tar & Gravel |
| Lot Area | 120,661 sqft (2.77 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Total Buildings | 2 Buildings |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 41 CENTRAL ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-3201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 32.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 330102 |
Source: Middlesex County and North Reading Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 41 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 28, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) NEWBURYPORT FIVE CENTS SAVINGS BANK |
| Jul 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP. |
| Aug 16, 2017 | Quit Claim Deed, Transfer · Conventional with PMI LEND USA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2017 · Amount on Record |
| Deed Sale | Aug 16, 2017 · Amount on Record |
| Prior Sale | Aug 19, 2010 · Amount on Record |
| Deed Book / Page | 69779 / 277 |
| Transfer Doc | 069779-277 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 41 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 083402-381 |
|---|---|
| Date | Oct 28, 2024 |
| Book Page | 83402/381 |
| Instrument | 122602 |
| Name | NEWBURYPORT FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 41 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 078230-354 |
|---|---|
| Date | Jul 13, 2021 |
| Book Page | 78230/354 |
| Instrument | 157426 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Aug 16, 2017 |
| Property Address | 41 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Document Number | 69779-277 |
| Book / Page | 069779 / 000277 |
| Instrument Date | Aug 8, 2017 |
| Instrument | 130986 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,188.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 41 CENTRAL ST NORTH READING MA 018643201, NORTH READING, MA 01864-3201 |
| Document Number | 69779-280 |
|---|---|
| Date | Aug 16, 2017 |
| Book Page | 069779/000280 |
| Instrument | 130987 |
| Name | LEND USA |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 15, 2047 |
Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,063.00 (+2.23%) | $696,100 (+2.55%) Land $447,400 Building $248,700 | $682,653 |
| 2025 | $8,865.00 (+4.68%) | $678,800 (+5.88%) Land $430,100 Building $248,700 | |
| 2024 | $8,469.00 (+2.04%) | $641,100 (+8.06%) Land $404,900 Building $236,200 | |
| 2023 | $8,300.00 | $593,300 Land $373,600 Building $219,700 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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 | NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000 |
|---|---|
| Water Source | Purchased surface water from ANDOVER WATER DEPT |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2020 |
|---|---|
| Treatment and Procedure | Coliform assessment Aug 2019 |
| Monitoring and Reporting | 1 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 100 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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