Middlesex County and Reading Town property record for 44 Emerson St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 3.5 ba · 3,748 sqft · built 2022 |
| Lot Size | 0.445 acres (19,402 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,729,000 (Sep 2023) |
| Tax Bill | $17,961 (2026) |
| Deeds & Mortgages | Jan 2026 Mortgage Sep 2025 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:051.0-0000-0016.0 |
| Primary APN | READ M:051.0-0000-0016.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 16 Rooms |
| Stories | 2 Stories |
| Building Area | 3,748 sqft Living Area |
| Gross Area | 6,680 sqft |
| Basement Area | 1,404 sqft |
| Unfinished Basement | 1,404 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,402 sqft (0.445 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 2070000000090 |
|---|---|
| Street Address | 44 EMERSON ST |
| City | READING |
| State | MA |
| Zip | 01867-1022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S20 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 334300 |
Source: Middlesex County and Reading Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 44 EMERSON ST, READING, MA 01867-1022 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jan 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 11, 2025 | Deed of Trust, Mortgage · Line of Credit MILLS 42 CREDIT UNION |
| Nov 10, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 13, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC |
| Jul 5, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage QS LENDING T |
| Nov 29, 2021 | Quit Claim Deed, Construction Loan · Construction Mortgage SALEM FIVE CENTS SAVINGS BANK |
| May 24, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 13, 2023 · Amount on Record |
| Deed Sale | Sep 13, 2023 · Amount on Record |
| Prior Sale | Jul 5, 2022 · Amount on Record |
| Deed Document Number | 2023103025 |
| Deed Book / Page | 81988 / 1 |
| Last Transfer Date | Nov 4, 2025 |
| Transfer Doc | 0084859-78 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 44 EMERSON ST, READING, MA 01867-1022 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00085090-3 |
|---|---|
| Date | Jan 6, 2026 |
| Book Page | 85090/3 |
| Instrument | 1106 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Feb 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 44 EMERSON ST, READING, MA 01867-1022 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0084599-86 |
|---|---|
| Date | Sep 11, 2025 |
| Book Page | 84599/86 |
| Instrument | 109485 |
| Name | MILLS 42 CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Nov 10, 2025 |
| Property Address | 44 EMERSON ST, READING, MA 01867-1022 |
| Document Number | 0084859-78 |
| Book / Page | 84859 / 78 |
| Instrument Date | Nov 4, 2025 |
| Instrument | 137598 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 44 EMERSON ST, READING, MA 01867-1022 |
| Document Number | 0000137599 |
|---|---|
| Date | Nov 10, 2025 |
| Instrument | 137599 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Sep 13, 2023 |
| Property Address | 44 EMERSON ST, READING, MA 01867-1022 |
| Document Number | 00081988-1 |
| Book / Page | 81988 / 1 |
| Instrument Date | Sep 12, 2023 |
| Instrument | 103025 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 44 EMERSON ST, READING, MA 01867-1022 |
| Document Number | 0000103026 |
|---|---|
| Date | Sep 13, 2023 |
| Instrument | 103026 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jul 5, 2022 |
| Property Address | 44 EMERSON ST, READING, MA 01867-1022 |
| Document Number | 080387-126 |
| Book / Page | 80387 / 126 |
| Instrument Date | Jul 1, 2022 |
| Instrument | 102252 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7 GREY LN, LYNNFIELD, MA 01940-1239 |
| Document Number | 0000102253 |
|---|---|
| Date | Jul 5, 2022 |
| Instrument | 102253 |
| Name | QS LENDING T |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Nov 29, 2021 |
| Property Address | 44 EMERSON ST, READING, MA 01867-1022 |
| Document Number | 079239-343 |
| Book / Page | 79239 / 343 |
| Instrument Date | Nov 29, 2021 |
| Instrument | 258165 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 599 NORTH AVE # 8, 8, WAKEFIELD, MA 01880-1648 |
| Document Number | 0000258166 |
|---|---|
| Date | Nov 29, 2021 |
| Instrument | 258166 |
| Name | SALEM FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | May 24, 2021 |
| Property Address | 44 EMERSON ST, READING, MA 01867-1022 |
| Document Number | 77842-256 |
| Book / Page | 77842 / 256 |
| Instrument Date | May 17, 2021 |
| Instrument | 117037 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 44 EMERSON ST, READING, MA 01867-1022 |
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 | $17,961.00 (+1.76%) | $1,638,800 (+5.75%) Land $545,900 Building $1,076,800 | $1,765,649 (+0.35%) |
| 2025 | $17,651.00 (+29.53%) | $1,549,700 (+33.28%) Land $517,400 Building $1,032,300 | $1,759,495 (+9.29%) |
| 2024 | $13,627.00 (+63.55%) | $1,162,700 (+75.69%) Land $497,000 Building $665,700 | $1,609,965 |
| 2023 | $8,332.00 | $661,800 Land $448,100 Building $213,700 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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.
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 | 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 200 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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