Middlesex County and Reading Town property record for 431 South St, Reading, MA 01867 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,766 sqft · built 1910 |
| Lot Size | 0.161 acres (6,996 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $590,000 (Oct 2018) |
| Tax Bill | $8,940 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Nov 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:005.0-0000-0022.0 |
| Primary APN | READ M:005.0-0000-0022.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,766 sqft Living Area |
| Gross Area | 3,506 sqft |
| Basement Area | 696 sqft |
| Unfinished Basement | 696 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 6,996 sqft (0.161 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | 60000000350 |
|---|---|
| Street Address | 431 SOUTH ST |
| City | READING |
| State | MA |
| Zip | 01867-4003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 334400 |
Source: Middlesex County and Reading Town records · APN READ M:005.0-0000-0022.0
Assessment roll updated April 14, 2026 · Last verified April 2026
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| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 431 SOUTH ST, READING, MA 01867-4003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 04, 2020 | Deed of Trust, Mortgage · Conventional with PMI FAIRWAY INDEPENDENT MTG |
| Nov 07, 2019 | Deed of Trust, Mortgage · Conventional with PMI FAIRWAY INDEPENDENT MTG |
| Oct 02, 2018 | Quit Claim Deed, Transfer · Conventional with PMI FAIRWAY INDEPENDENT MTG |
| Feb 06, 2017 | Deed of Trust, Mortgage · Conventional Mortgage MERRIMAC VLY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 02, 2018 · Amount on Record |
| Deed Sale | Oct 02, 2018 · Amount on Record |
| Prior Sale | May 01, 2015 · Amount on Record |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 431 SOUTH ST, READING, MA 01867-4003 |
| Document Number | 0001860284 |
| Instrument Date | Nov 04, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 01, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 431 SOUTH ST READING MA 018674003, READING, MA 01867-4003 |
| Document Number | 0001860284 |
|---|---|
| Date | Nov 10, 2020 |
| Instrument | 1860284 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 09, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 431 SOUTH ST, READING, MA 01867-4003 |
| Document Number | 0000028463 |
| Instrument Date | Nov 07, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 05, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 431 SOUTH ST READING MA 018674003, READING, MA 01867-4003 |
| Document Number | 0000028463 |
|---|---|
| Date | Nov 13, 2019 |
| Instrument | 28463 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 12, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Oct 02, 2018 |
| Property Address | 431 SOUTH ST, READING, MA 01867-4003 |
| Document Number | 0000098654 |
| Instrument Date | Sep 22, 2018 |
| Instrument | 98654 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,690.40 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 431 SOUTH ST READING MA 018674003, READING, MA 01867-4003 |
| Document Number | 98655 |
|---|---|
| Date | Oct 02, 2018 |
| Instrument | 98655 |
| Name | FAIRWAY INDEPENDENT MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 431 SOUTH ST, READING, MA 01867-4003 |
| Document Number | 0001754419 |
| Instrument Date | Feb 06, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2017 |
| Name | Verified Name |
|---|
| Document Number | 0001754419 |
|---|---|
| Date | Feb 23, 2017 |
| Instrument | 1754419 |
| Name | MERRIMAC VLY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 22, 2037 |
Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $8,940.00 (+1.13%) | $784,900 (+4.06%) Land $470,600 Building $314,300 |
| 2024 | $8,840.00 (+3.14%) | $754,300 (+10.8%) Land $452,100 Building $302,200 |
| 2023 | $8,571.00 | $680,800 Land $407,600 Building $273,200 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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