43 Prospect St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 43 Prospect St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,174 sqft · built 1860
Lot Size	0.668 acres (29,081 sqft)
Owner	2 Individual Names on Record
Last Sale	$700,000 (May 2019)
Tax Bill	$11,534 (2026)
Deeds & Mortgages	Sep 2021 Refinance May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:015.0-0000-0155.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:015.0-0000-0155.0`
Alternative APNs	`M:015.0=0000=0155.0` `490000000260` `490000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,174 sqft Living Area
Gross Area	3,443 sqft
Basement Area	1,098 sqft
Unfinished Basement	1,098 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1990
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,081 sqft (0.668 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	490000000260
Street Address	43 PROSPECT ST
City	READING
State	MA
Zip	01867-2822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	4
Census Block	4015
Census Tract	334200

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	43 PROSPECT ST, READING, MA 01867-2822
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC
May 3, 2019	Quit Claim Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2019 · Amount on Record
Deed Sale	May 3, 2019 · Amount on Record
Prior Sale	Dec 6, 1981 · Amount on Record
Deed Document Number	201957193
Deed Book / Page	72553 / 221
Prior Transfer Date	Apr 24, 2019
Prior Transfer Doc	72553-221
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	43 PROSPECT ST, READING, MA 01867-2822
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078618-425
Date	Sep 2, 2021
Book Page	78618/425
Instrument	197015

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	May 3, 2019
Property Address	43 PROSPECT ST, READING, MA 01867-2822
Document Number	72553-221
Book / Page	072553 / 000221
Instrument Date	Apr 24, 2019
Instrument	57193
Transaction Type	Transfer
Record Updated	May 21, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,192.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	43 PROSPECT ST READING MA 018672822, READING, MA 01867-2822

Mortgage

Document Number	72553-225
Date	May 3, 2019
Book Page	072553/000225
Instrument	57194

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2049

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	$11,534.00 (+1.5%)	$1,052,400 (+5.48%) Land $685,600 Building $354,700	$1,086,206 (+16.15%)
2025	$11,364.00 (+3%)	$997,700 (+5.98%) Land $649,500 Building $348,200	$935,180 (+3.78%)
2024	$11,033.00 (+0.44%)	$941,400 (+7.9%) Land $612,400 Building $329,000	$901,075
2023	$10,985.00	$872,500 Land $567,000 Building $305,500

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
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2001 · Severe Storms And 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 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 523 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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