44 Tower Hill Rd, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 44 Tower Hill Rd, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,477 sqft · built 1992
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on File
Last Sale	$955,000 (Jul 2022)
Tax Bill	$14,495 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:44-P:096`

Property Details

APN / Parcel Number

Primary APN	`M:44-P:096`
Alternative APN	`NREA M:044.0 B:0000 L:0096.0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,477 sqft Living Area
Gross Area	1,444 sqft
1st Floor Area	1,445 sqft
Basement Area	1,419 sqft
Unfinished Basement	1,419 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,511 sqft (0.93 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	44 TOWER HILL RD
City	NORTH READING
State	MA
Zip	01864-2443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	96.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	2
Census Block	2005
Census Tract	330102

Owner

44 Tower Hill Rd is owned and occupied by two individuals who bought it in July 2022.

Source: Middlesex County and North Reading Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	44 TOWER HILL RD, NORTH READING, MA 01864-2443
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2022 · Amount on File
Deed Sale	Jul 6, 2022 · Amount on File
Prior Sale	Jun 11, 1993 · Amount on File
Deed Document Number	2022102964
Deed Book / Page	80393 / 127
Record Updated	Oct 29, 2026

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Jul 6, 2022
Property Address	44 TOWER HILL RD, NORTH READING, MA 01864-2443
Document Number	080393-127
Book / Page	80393 / 127
Instrument Date	Jul 6, 2022
Instrument	102964
Transaction Type	Transfer
Record Updated	Jul 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	44 TOWER HILL RD, NORTH READING, MA 01864-2443

Mortgage

Document Number	0000102965
Date	Jul 6, 2022
Instrument	102965

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.88%
Type Change Date	Aug 1, 2032
Max Rate At Change	2.75%
Index	Other

Tax Assessment & Valuation

The 2026 property tax bill for 44 Tower Hill Rd was $14,495, up 6.2% from the year before.

Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	North Reading Town
Unified School District	North Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,495.00 (+6.21%)	$1,113,300 (+6.54%) Land $485,900 Building $627,400	$1,077,538
2025	$13,648.00 (+8.78%)	$1,045,000 (+10.02%) Land $450,100 Building $594,900
2024	$12,547.00 (+19.72%)	$949,800 (+26.79%) Land $409,000 Building $540,800
2023	$10,480.00	$749,100 Land $371,900 Building $377,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 44 Tower Hill Rd in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft
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.

Wildfire

Wildfire risk around 44 Tower Hill Rd 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 121 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