Middlesex County and Reading Town property record for 435 West St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,656 sqft · built 1941 |
| Lot Size | 0.24 acres (10,441 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $445,000 (Jul 2015) |
| Tax Bill | $7,577 (2025) |
| Deeds & Mortgages | Nov 2021 Refinance Jul 2019 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:020.0-0000-0308.0 |
| Primary APN | READ M:020.0-0000-0308.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,656 sqft Living Area |
| Gross Area | 2,680 sqft |
| Basement Area | 744 sqft |
| Unfinished Basement | 372 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,441 sqft (0.24 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 980000000080 |
|---|---|
| Street Address | 435 WEST ST |
| City | READING |
| State | MA |
| Zip | 01867-2238 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S20 |
| Legal Subdivision | READING |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 334200 |
Source: Middlesex County and Reading Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 435 WEST ST, READING, MA 01867-2238 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 29, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Jul 17, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance SAGE BANK |
| May 18, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 30, 2015 · Amount on Record |
| Deed Sale | Jul 30, 2015 · Amount on Record |
| Prior Sale | Feb 24, 2006 · Amount on Record |
| Deed Book / Page | 65824 / 416 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 435 WEST ST, READING, MA 01867-2238 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 079231-499 |
|---|---|
| Date | Nov 29, 2021 |
| Book Page | 79231/499 |
| Instrument | 257510 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 435 WEST ST, READING, MA 01867-2238 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 72941-433 |
|---|---|
| Date | Jul 17, 2019 |
| Book Page | 72941/433 |
| Instrument | 102077 |
| Name | SAGE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Aug 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 435 WEST ST, READING, MA 01867-2238 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74691-259 |
|---|---|
| Date | May 18, 2020 |
| Book Page | 74691/259 |
| Instrument | 74527 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
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 |
|---|---|---|---|
| 2025 | $7,577.00 (+1.15%) | $665,200 (+4.07%) Land $417,700 Building $247,500 | $736,725 (+3.22%) |
| 2024 | $7,491.00 (+4.2%) | $639,200 (+11.94%) Land $401,200 Building $238,000 | $713,735 |
| 2023 | $7,189.00 | $571,000 Land $361,800 Building $209,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| 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.
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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