432 Grove St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 432 Grove St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,977 sqft · built 1972
Lot Size	0.61 acres (26,550 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Aug 2015)
Tax Bill	$9,964 (2026)
Deeds & Mortgages	Jan 2025 Mortgage May 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`READ M:043.0-0000-0009.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:043.0-0000-0009.0`
Alternative APNs	`M:043.0=0000=0009.0` `1740000000090` `1740000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,977 sqft Living Area
Gross Area	2,625 sqft
1st Floor Area	982 sqft
Basement Area	1,056 sqft
Unfinished Basement	211 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Split Foyer
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,550 sqft (0.61 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1740000000090
Street Address	432 GROVE ST
City	READING
State	MA
Zip	01867-1210
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	4008
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	2 Individual Names on File
Mailing Address	432 GROVE ST, READING, MA 01867-1210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ARC HOME LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2015 · Amount on File
Deed Sale	Aug 18, 2015 · Amount on File
Deed Book / Page	65933 / 235
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	432 GROVE ST, READING, MA 01867-1210
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083712-409
Date	Jan 27, 2025
Book Page	83712/409
Instrument	8705

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	432 GROVE ST, READING, MA 01867-1210
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74733-490
Date	May 22, 2020
Book Page	74733/490
Instrument	78419

Lender

Name	ARC HOME LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 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	$9,964.00 (+1.53%)	$909,100 (+5.51%) Land $516,900 Building $392,200	$854,439 (+13.18%)
2025	$9,814.00 (+1.19%)	$861,600 (+4.11%) Land $489,900 Building $371,700	$754,965 (+2.46%)
2024	$9,699.00 (+3.22%)	$827,600 (+10.89%) Land $470,600 Building $357,000	$736,820
2023	$9,396.00	$746,300 Land $424,400 Building $321,900

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	3 (1978–2004)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Apr 2004 · 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 94% of the US · lower than 88% 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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