Middlesex County and Reading Town property record for 447 Grove St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,703 sqft · built 1880 |
| Lot Size | 0.499 acres (21,745 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $595,000 (Aug 2018) |
| Tax Bill | $9,978 (2026) |
| Deeds & Mortgages | Jul 2025 Line of Credit Jun 2020 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 186000000001C |
| Primary APN | 186000000001C |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 3 Stories |
| Building Area | 1,703 sqft Living Area |
| Gross Area | 4,184 sqft |
| Basement Area | 780 sqft |
| Unfinished Basement | 780 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,745 sqft (0.499 acres) |
| Garage Type | Attached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 186000000001C |
|---|---|
| Street Address | 447 GROVE ST |
| City | READING |
| State | MA |
| Zip | 01867-1273 |
| 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 | 4000 |
| Census Tract | 334300 |
447 Grove St is owner-occupied and held in a trust since July 2020.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 447 GROVE ST, READING, MA 01867-1273 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| 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 |
|---|---|
| Jul 30, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jun 17, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP |
| Jul 15, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Aug 30, 2018 | Quit Claim Deed, Transfer CENTURY BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 2018 · Amount on File |
| Deed Sale | Aug 30, 2018 · Amount on File |
| Deed Book / Page | 71556 / 164 |
| Last Transfer Date | Jul 13, 2020 |
| Transfer Doc | 75117-458 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 447 GROVE ST, READING, MA 01867-1273 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 084422-255 |
|---|---|
| Date | Jul 30, 2025 |
| Book Page | 84422/255 |
| Instrument | 89264 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Aug 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 447 GROVE ST, READING, MA 01867-1273 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74903-369 |
|---|---|
| Date | Jun 17, 2020 |
| Book Page | 74903/369 |
| Instrument | 94230 |
| Name | AMERISAVE MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jul 15, 2020 |
| Property Address | 447 GROVE ST, READING, MA 01867-1273 |
| Document Number | 75117-458 |
| Book / Page | 075117 / 000458 |
| Instrument Date | Jul 13, 2020 |
| Instrument | 113778 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 447 GROVE ST READING MA 018671273, READING, MA 01867-1273 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Aug 30, 2018 |
| Property Address | 447 GROVE ST, READING, MA 01867-1273 |
| Document Number | 71556-164 |
| Book / Page | 71556 / 164 |
| Instrument | 134597 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $83.29 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 715560166 |
|---|---|
| Date | Aug 30, 2018 |
| Instrument | 71556/0166 |
| Name | CENTURY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 30, 2048 |
The 2026 property tax bill for 447 Grove St was $9,978, up 1.5% from the year before.
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 | $9,978.00 (+1.55%) | $910,400 (+5.53%) Land $555,300 Building $355,100 | $940,124 (+1.44%) |
| 2025 | $9,826.00 (+1.15%) | $862,700 (+4.09%) Land $526,200 Building $336,500 | $926,820 (+16.45%) |
| 2024 | $9,714.00 (+3.24%) | $828,800 (+10.91%) Land $505,500 Building $323,300 | $795,910 |
| 2023 | $9,409.00 | $747,300 Land $455,800 Building $291,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 447 Grove 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 A, within 500 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 risk around 447 Grove St is low, with less than 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 97% of the US · lower than 94% 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 102 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
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