420 Franklin St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 420 Franklin St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,266 sqft · built 1985
Lot Size	0.565 acres (24,616 sqft)
Owner	Individual Name on Record
Last Sale	$570,000 (Mar 2012)
Tax Bill	$11,836 (2026)
Deeds & Mortgages	Jun 2024 Line of Credit Jun 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`READ M:044.0-0000-0002.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:044.0-0000-0002.0`
Alternative APNs	`M:044.0=0000=0002.0` `1780000000010` `1780000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,266 sqft Living Area
Gross Area	3,609 sqft
Basement Area	598 sqft
Unfinished Basement	598 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,616 sqft (0.565 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1780000000010
Street Address	420 FRANKLIN ST
City	READING
State	MA
Zip	01867-1218
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	3
Census Block	3008
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	Individual Name on Record
Mailing Address	420 FRANKLIN ST, READING, MA 01867-1218
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2024	Deed of Trust, Mortgage · Line of Credit LEADER BANK NA
Jun 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2012 · Amount on Record
Deed Sale	Mar 1, 2012 · Amount on Record
Prior Sale	Mar 16, 2007 · Amount on Record
Deed Book / Page	58598 / 533
Transfer Doc	058598-533
Record Updated	Oct 29, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	420 FRANKLIN ST, READING, MA 01867-1218
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082878-447
Date	Jun 13, 2024
Book Page	82878/447
Instrument	62294

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	420 FRANKLIN ST, READING, MA 01867-1218
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74986-567
Date	Jun 29, 2020
Book Page	74986/567
Instrument	101989

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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	$11,836.00 (+3.43%)	$1,079,900 (+7.48%) Land $545,900 Building $522,000	$1,067,710 (-2.06%)
2025	$11,444.00 (+0.19%)	$1,004,700 (+3.09%) Land $507,500 Building $497,200	$1,090,220 (+5.13%)
2024	$11,422.00 (+6.66%)	$974,600 (+14.58%) Land $492,100 Building $482,500	$1,037,020
2023	$10,709.00	$850,600 Land $428,700 Building $421,900

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	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.

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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