419 Franklin St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 419 Franklin St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,396 sqft · built 1954
Lot Size	0.349 acres (15,198 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Aug 2004)
Tax Bill	$9,300 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:044.0-0000-0045.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:044.0-0000-0045.0`
Alternative APNs	`M:044.0=0000=0045.0` `1900000000370` `1900000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,396 sqft Living Area
Gross Area	3,941 sqft
Basement Area	1,162 sqft
Unfinished Basement	1,034 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,198 sqft (0.349 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1900000000370
Street Address	419 FRANKLIN ST
City	READING
State	MA
Zip	01867-1219
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	419 FRANKLIN ST, READING, MA 01867-1219
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2022	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Jan 11, 2017	Deed of Trust, Mortgage READING COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2004 · Amount on Record
Deed Sale	Aug 13, 2004 · Amount on Record
Prior Sale	Feb 5, 2004 · Amount on Record
Deed Document Number	2004216882
Deed Book / Page	43519 / 65
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	419 FRANKLIN ST, READING, MA 01867-1219
Transaction Type	Mortgage
Record Updated	Dec 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	080986-316
Date	Nov 23, 2022
Book Page	80986/316
Instrument	173063

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Dec 1, 2062

Interest

Rate Type	Adjustable Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	419 FRANKLIN ST, READING, MA 01867-1219
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	68741-422
Date	Jan 11, 2017
Book Page	68741/422
Instrument	5463

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

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	$9,300.00 (+3.52%)	$848,500 (+7.57%) Land $509,800 Building $338,500	$1,028,382 (+22.04%)
2025	$8,984.00 (+0.21%)	$788,800 (+3.12%) Land $473,900 Building $314,900	$842,650 (+2.26%)
2024	$8,965.00 (+6.87%)	$764,900 (+14.8%) Land $459,600 Building $305,300	$824,030
2023	$8,389.00	$666,300 Land $400,300 Building $266,000

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
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 99.1% of the US · lower than 98.7% 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.

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 144 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

Cell Coverage

5G (outdoors only) and 4G LTE

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