Middlesex County and Reading Town property record for 449 Franklin St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,083 sqft · built 1954 |
| Lot Size | 0.382 acres (16,657 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $536,000 (Jul 2019) |
| Tax Bill | $10,046 (2025) |
| Deeds & Mortgages | Jun 2022 Refinance May 2021 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:044.0-0000-0030.0 |
| Primary APN | READ M:044.0-0000-0030.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,083 sqft Living Area |
| Gross Area | 3,512 sqft |
| Basement Area | 1,602 sqft |
| Unfinished Basement | 1,121 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,657 sqft (0.382 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 1900000000220 |
|---|---|
| Street Address | 449 FRANKLIN ST |
| City | READING |
| State | MA |
| Zip | 01867-1221 |
| 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 |
Source: Middlesex County and Reading Town records · APN READ M:044.0-0000-0030.0
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 449 FRANKLIN ST, READING, MA 01867-1221 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 29, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance MEMBERS PLUS CU |
| May 20, 2021 | Deed of Trust, Mortgage · Line of Credit HANSCOM FCU |
| Mar 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Feb 12, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP |
| Jul 30, 2019 | Personal Representative Deed, Transfer · Conventional with PMI MORTGAGE NTWK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 30, 2019 · Amount on Record |
| Deed Sale | Jul 30, 2019 · Amount on Record |
| Deed Document Number | 2019110239 |
| Deed Book / Page | 73015 / 554 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 449 FRANKLIN ST, READING, MA 01867-1221 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 080354-232 |
|---|---|
| Date | Jun 29, 2022 |
| Book Page | 80354/232 |
| Instrument | 98521 |
| Name | MEMBERS PLUS CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 01, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 449 FRANKLIN ST, READING, MA 01867-1221 |
| Transaction Type | Mortgage |
| Record Updated | Jun 04, 2021 |
| Name | Verified Name |
|---|
| Document Number | 77820-260 |
|---|---|
| Date | May 20, 2021 |
| Book Page | 77820/260 |
| Instrument | 114750 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 449 FRANKLIN ST, READING, MA 01867-1221 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2021 |
| Name | Verified Name |
|---|
| Document Number | 77232-420 |
|---|---|
| Date | Mar 16, 2021 |
| Book Page | 77232/420 |
| Instrument | 57788 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 449 FRANKLIN ST, READING, MA 01867-1221 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74119-227 |
|---|---|
| Date | Feb 12, 2020 |
| Book Page | 74119/227 |
| Instrument | 21094 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jul 30, 2019 |
| Property Address | 449 FRANKLIN ST, READING, MA 01867-1221 |
| Document Number | 73015-554 |
| Book / Page | 073015 / 000554 |
| Instrument Date | Jul 30, 2019 |
| Instrument | 110239 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,444.16 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 449 FRANKLIN ST READING MA 018671221, READING, MA 01867-1221 |
| Document Number | 73015-569 |
|---|---|
| Date | Jul 30, 2019 |
| Book Page | 073015/000569 |
| Instrument | 110244 |
| Name | MORTGAGE NTWK |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 29, 2049 |
Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,046.00 (+0.22%) | $882,000 (+3.12%) Land $479,100 Building $402,900 | $779,855 (+8.86%) |
| 2024 | $10,024.00 (+6.84%) | $855,300 (+14.77%) Land $464,600 Building $390,700 | $716,395 |
| 2023 | $9,382.00 | $745,200 Land $404,700 Building $340,500 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), as of September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173343004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 |
| Wildfire Risk | Low lower than 94% of the US · lower than 88% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 144 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system MA3246000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | READING WATER DEPARTMENT (MWRA) serves 26,262 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures