Middlesex County and North Reading Town property record for 44 Central St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,040 sqft · built 1950 |
| Lot Size | 1.2 acres (52,272 sqft) |
| Owner | Trust Name on File |
| Last Sale | $180,000 (May 1998) |
| Tax Bill | $9,975 (2026) |
| Deeds & Mortgages | Feb 2021 Refinance Sep 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:42-P:019 |
| Primary APN | M:42-P:019 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,040 sqft Living Area |
| 1st Floor Area | 2,040 sqft |
| Basement Area | 2,040 sqft |
| Unfinished Basement | 2,040 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 52,272 sqft (1.2 acres) |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 44 CENTRAL ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-3202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 19.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 330201 |
44 Central St is owner-occupied and held in a trust since June 2022.
Source: Middlesex County and North Reading Town records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 44 CENTRAL ST, NORTH READING, MA 01864-3202 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
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 |
|---|---|
| Feb 24, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NEW FED MORTGAGE CORP |
| Sep 6, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Apr 12, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE NTWK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 29, 1998 · Amount on File |
| Deed Sale | May 29, 1998 · Amount on File |
| Last Transfer Date | Jun 22, 2022 |
| Transfer Doc | 080674-322 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 44 CENTRAL ST, NORTH READING, MA 01864-3202 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 077050-175 |
|---|---|
| Date | Feb 24, 2021 |
| Book Page | 77050/175 |
| Instrument | 41190 |
| Name | NEW FED MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Sep 6, 2022 |
| Property Address | 44 CENTRAL ST, NORTH READING, MA 01864-3202 |
| Document Number | 080674-322 |
| Book / Page | 80674 / 322 |
| Instrument Date | Jun 22, 2022 |
| Instrument | 135891 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 44 CENTRAL ST, NORTH READING, MA 01864-3202 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 44 CENTRAL ST, NORTH READING, MA 01864-3202 |
| Document Number | 70877-45 |
| Instrument Date | Apr 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2018 |
| Name | Verified Name |
|---|
| Document Number | 70877-45 |
|---|---|
| Date | Apr 17, 2018 |
| Book Page | 070877/000045 |
| Instrument | 51591 |
| Name | MORTGAGE NTWK |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 16, 2048 |
The 2026 property tax bill for 44 Central St was $9,975, up 1.8% from the year before.
Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,975.00 (+1.85%) | $766,100 (+2.16%) Land $425,300 Building $340,800 | $843,032 |
| 2025 | $9,794.00 (+2.04%) | $749,900 (+3.21%) Land $409,100 Building $340,800 | |
| 2024 | $9,598.00 (+8.7%) | $726,600 (+15.11%) Land $385,800 Building $340,800 | |
| 2023 | $8,830.00 | $631,200 Land $354,400 Building $276,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 44 Central 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 · 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 | 8 in force |
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 risk around 44 Central St is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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 | NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000 |
|---|---|
| Water Source | Purchased surface water from ANDOVER WATER DEPT |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2020 |
|---|---|
| Treatment and Procedure | Coliform assessment Aug 2019 |
| Monitoring and Reporting | 1 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 100 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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