Middlesex County and Reading Town property record for 41 Oak St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 3,790 sqft · built 2013 |
| Lot Size | 0.606 acres (26,419 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,225,000 (Nov 2019) |
| Tax Bill | $17,347 (2026) |
| Deeds & Mortgages | Mar 2021 Line of Credit Nov 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:011.0-0000-0096.0 |
| Primary APN | READ M:011.0-0000-0096.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,790 sqft Living Area |
| Gross Area | 8,574 sqft |
| Basement Area | 1,540 sqft |
| Unfinished Basement | 1,540 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 26,419 sqft (0.606 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 330000000010 |
|---|---|
| Street Address | 41 OAK ST |
| City | READING |
| State | MA |
| Zip | 01867-3706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 5 |
| Census Block | 5001 |
| Census Tract | 334100 |
Source: Middlesex County and 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 41 OAK ST, READING, MA 01867-3706 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 11, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND |
| Nov 19, 2019 | Quit Claim Deed, Transfer GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 19, 2019 · Amount on Record |
| Deed Sale | Nov 19, 2019 · Amount on Record |
| Prior Sale | Sep 9, 2013 · Amount on Record |
| Deed Document Number | 2019181752 |
| Deed Book / Page | 73680 / 103 |
| Prior Transfer Date | Oct 30, 2019 |
| Prior Transfer Doc | 73680-103 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 41 OAK ST, READING, MA 01867-3706 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 77196-26 |
|---|---|
| Date | Mar 11, 2021 |
| Book Page | 77196/26 |
| Instrument | 54256 |
| Name | CITIZENS BANK OF RHODE ISLAND |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Nov 19, 2019 |
| Property Address | 41 OAK ST, READING, MA 01867-3706 |
| Document Number | 73680-103 |
| Book / Page | 073680 / 000103 |
| Instrument Date | Oct 30, 2019 |
| Instrument | 1752 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,586.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 41 OAK ST READING MA 018673706, READING, MA 01867-3706 |
| Document Number | 73680-107 |
|---|---|
| Date | Nov 19, 2019 |
| Book Page | 073680/000107 |
| Instrument | 1753 |
| Name | GUARANTEED RATE |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 18, 2049 |
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 | $17,347.00 (+1.53%) | $1,582,800 (+5.51%) Land $573,900 Building $1,008,900 | $1,920,070 (+32.21%) |
| 2025 | $17,086.00 (+1.16%) | $1,500,100 (+4.09%) Land $543,900 Building $956,200 | $1,452,265 (+0.24%) |
| 2024 | $16,890.00 (+3.25%) | $1,441,100 (+10.91%) Land $522,500 Building $918,600 | $1,448,845 |
| 2023 | $16,358.00 | $1,299,300 Land $471,100 Building $828,200 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 | 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 424 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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