Middlesex County and North Reading Town property record for 43 Central St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,739 sqft · built 1954 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | Individual Name on File |
| Last Sale | $840,000 (Jun 2025) |
| Tax Bill | $8,949 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Jun 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:42-P:031 |
| Primary APN | M:42-P:031 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,739 sqft Living Area |
| 1st Floor Area | 1,704 sqft |
| Basement Area | 1,659 sqft |
| Unfinished Basement | 939 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,988 sqft (0.39 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 43 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 | 31.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 330102 |
43 Central St is owned and occupied by an individual who bought it in June 2025.
Source: Middlesex County and North Reading Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 43 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 |
|---|---|
| Mar 31, 2026 | Deed of Trust, Mortgage · FHA Mortgage PRIMELENDING |
| Jun 11, 2025 | Quit Claim Deed, Transfer · FHA Mortgage PRIMELENDING |
| Oct 14, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage BMO HARRIS BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 11, 2025 · Amount on File |
| Deed Sale | Jun 11, 2025 · Amount on File |
| Prior Sale | Oct 14, 2022 · Amount on File |
| Deed Document Number | 202565839 |
| Deed Book / Page | 84213 / 592 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 43 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2026 |
| Name | Verified Name |
|---|
| Document Number | 085407-492 |
|---|---|
| Date | Mar 31, 2026 |
| Book Page | 85407/492 |
| Instrument | 34911 |
| Name | PRIMELENDING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Jun 11, 2025 |
| Property Address | 43 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Document Number | 084213-592 |
| Book / Page | 84213 / 592 |
| Instrument Date | Jun 11, 2025 |
| Instrument | 65839 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 43 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Document Number | 0000065840 |
|---|---|
| Date | Jun 11, 2025 |
| Instrument | 65840 |
| Name | PRIMELENDING |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Oct 14, 2022 |
| Property Address | 43 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Document Number | 080829-236 |
| Book / Page | 80829 / 236 |
| Instrument Date | Oct 14, 2022 |
| Instrument | 154284 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 43 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Document Number | 0000154285 |
|---|---|
| Date | Oct 14, 2022 |
| Instrument | 154285 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Nov 1, 2029 |
| Max Rate At Change | 2.75% |
| Index | Other |
The 2026 property tax bill for 43 Central St was $8,949, up 3% from the year before.
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 | $8,949.00 (+3%) | $687,300 (+3.32%) Land $389,500 Building $297,800 | $789,870 |
| 2025 | $8,688.00 (+2.1%) | $665,200 (+3.28%) Land $374,500 Building $290,700 | |
| 2024 | $8,509.00 (+9.02%) | $644,100 (+15.45%) Land $353,400 Building $290,700 | |
| 2023 | $7,805.00 | $557,900 Land $324,400 Building $233,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 43 Central St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 43 Central St is low, with a 0.01% annual chance of wildfire.
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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