Middlesex County and Reading Town property record for 430 West St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,187 sqft · built 1925 |
| Lot Size | 0.331 acres (14,440 sqft) |
| Owner | Individual Name on File |
| Last Sale | $867,000 (Apr 2026) |
| Tax Bill | $6,831 (2026) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Mar 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:020.0-0000-0201.0 |
| Primary APN | READ M:020.0-0000-0201.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,187 sqft Living Area |
| Gross Area | 2,990 sqft |
| 1st Floor Area | 1,377 sqft |
| Basement Area | 924 sqft |
| Unfinished Basement | 924 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Bungalow |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 14,440 sqft (0.331 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 800000000280 |
|---|---|
| Street Address | 430 WEST ST |
| City | READING |
| State | MA |
| Zip | 01867-2239 |
| 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 | 4005 |
| Census Tract | 334100 |
430 West St is owned and occupied by an individual who bought it in April 2026.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 430 WEST ST, READING, MA 01867-2239 |
| 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 |
|---|---|
| Apr 21, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage |
| Mar 30, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage FLAGSTAR BANK FSB |
| May 5, 2017 | Deed of Trust, Mortgage · Conventional Mortgage BAXTER CU |
| Sep 9, 2016 | Deed of Trust, Mortgage · Conventional Mortgage BAXTER CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 21, 2026 · Amount on File |
| Deed Sale | Apr 21, 2026 · Amount on File |
| Prior Sale | Mar 30, 2021 · Amount on File |
| Deed Document Number | 202644041 |
| Deed Book / Page | 85492 / 448 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Apr 21, 2026 |
| Property Address | 430 WEST ST, READING, MA 01867-2239 |
| Document Number | 085492-448 |
| Book / Page | 85492 / 448 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 2026.44041 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2026 |
| 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 | 430 WEST ST, READING, MA 01867-2239 |
| Date | Apr 21, 2026 |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Mar 30, 2021 |
| Property Address | 430 WEST ST, READING, MA 01867-2239 |
| Document Number | 0077376-34 |
| Book / Page | 77376 / 34 |
| Instrument Date | Mar 30, 2021 |
| Instrument | 70920 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2023 |
| 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 |
|---|---|
| Relationship | Joint Tenants |
| Address | 430 WEST ST, READING, MA 01867-2239 |
| Document Number | 0000070921 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 70921 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 430 WEST ST, READING, MA 01867-2239 |
| Document Number | 69259-353 |
| Book / Page | 069259 / 000353 |
| Instrument Date | May 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2017 |
| Name | Verified Name |
|---|
| Document Number | 69259-353 |
|---|---|
| Date | May 10, 2017 |
| Book Page | 069259/000353 |
| Instrument | 68985 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | May 9, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 430 WEST ST, READING, MA 01867-2239 |
| Document Number | 68726-307 |
| Book / Page | 068726 / 000307 |
| Instrument Date | Sep 9, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2017 |
| Name | Verified Name |
|---|
| Document Number | 68726-307 |
|---|---|
| Date | Jan 9, 2017 |
| Book Page | 068726/000307 |
| Instrument | 3724 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 8, 2047 |
The 2026 property tax bill for 430 West St was $6,831, down 2.3% from the year before.
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 | $6,831.00 (-2.27%) | $623,300 (+1.56%) Land $393,700 Building $225,000 | $771,108 (+19.91%) |
| 2025 | $6,990.00 (+1.13%) | $613,700 (+4.05%) Land $387,600 Building $226,100 | $643,055 (-1.11%) |
| 2024 | $6,912.00 (+3.18%) | $589,800 (+10.84%) Land $372,400 Building $217,400 | $650,275 |
| 2023 | $6,699.00 | $532,100 Land $335,700 Building $196,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 430 West 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
| 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 |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 430 West St is low, with less than 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 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.
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 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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