45 Field Pond Dr, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 45 Field Pond Dr, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,936 sqft · built 1975
Lot Size	0.622 acres (27,116 sqft)
Owner	2 Individual Names on Record
Last Sale	$740,000 (Nov 2020)
Tax Bill	$10,242 (2026)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:046.0-0000-0098.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:046.0-0000-0098.0`
Alternative APNs	`M:046.0=0000=0098.0` `1970000000290` `1970000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,936 sqft Living Area
Gross Area	2,644 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,116 sqft (0.622 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1970000000290
Street Address	45 FIELD POND DR
City	READING
State	MA
Zip	01867-1116
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	1
Census Block	1008
Census Tract	334300

Owner

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	45 FIELD POND DR, READING, MA 01867-1116
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA
Jul 21, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2020 · Amount on Record
Deed Sale	Nov 19, 2020 · Amount on Record
Prior Sale	Jul 21, 2020 · Amount on Record
Deed Document Number	2020218086
Deed Book / Page	76213 / 498
Prior Transfer Date	Nov 17, 2020
Prior Transfer Doc	76213-498
Record Updated	Oct 29, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Nov 19, 2020
Property Address	45 FIELD POND DR, READING, MA 01867-1116
Document Number	76213-498
Book / Page	76213 / 498
Instrument Date	Nov 17, 2020
Instrument	218086
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	45 FIELD POND DR, READING, MA 01867-1116

Mortgage

Document Number	218087
Date	Nov 19, 2020
Instrument	218087

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jul 21, 2020
Property Address	45 FIELD POND DR, READING, MA 01867-1116
Document Number	75176-123
Book / Page	75176 / 123
Instrument Date	Jul 9, 2020
Instrument	119079
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	45 FIELD POND DR, READING, MA 01867-1116

Mortgage

Document Number	119080
Date	Jul 21, 2020
Instrument	119080

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,242.00 (+0.91%)	$934,500 (+4.87%) Land $656,000 Building $278,000	$964,025 (-5.05%)
2025	$10,150.00 (-1.22%)	$891,100 (+1.64%) Land $625,500 Building $265,600	$1,015,265 (+11.96%)
2024	$10,275.00 (+6.26%)	$876,700 (+14.14%) Land $615,400 Building $261,300	$906,775
2023	$9,670.00	$768,100 Land $539,100 Building $229,000

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

Flood

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
Nearby Flood Claims	2 (1982–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2010 · Severe Storms And 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 264 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

Cell Coverage

5G (outdoors only) and 4G LTE

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