45 Park St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 45 Park St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,276 sqft · built 1963
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on Record
Last Sale	$419,000 (Oct 2018)
Tax Bill	$7,688 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit May 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:61-P:019`

Property Details

APN / Parcel Number

Primary APN	`M:61-P:019`
Alternative APN	`NREA M:061.0 B:0000 L:0019.0`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,276 sqft Living Area
1st Floor Area	1,276 sqft
Basement Area	1,040 sqft
Unfinished Basement	754 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,651 sqft (0.52 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 PARK ST
City	NORTH READING
State	MA
Zip	01864-2809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	19.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1010
Census Tract	330102

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	45 PARK ST, NORTH READING, MA 01864-2809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Line of Credit
May 7, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Oct 12, 2018	Quit Claim Deed, Transfer · Conventional with PMI LEADER BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2018 · Amount on Record
Deed Sale	Oct 12, 2018 · Amount on Record
Prior Sale	Oct 9, 2007
Deed Document Number	20181799413
Transfer Doc	0001799413
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Recording Date	Jun 22, 2026
Property Address	45 PARK ST, NORTH READING, MA 01864-2809
Document Number	0002002255
Instrument Date	Jun 16, 2026
Instrument	20262002255
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 PARK ST, NORTH READING, MA 01864-2809

Mortgage

Document Number	0002002255,
Date	Jun 22, 2026
Instrument	20262002255

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.51%
Initial Type	Adjustable Rate
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	45 PARK ST, NORTH READING, MA 01864-2809
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001841684
Date	May 7, 2020
Instrument	1841684

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Oct 12, 2018
Property Address	45 PARK ST, NORTH READING, MA 01864-2809
Document Number	0000099413
Instrument Date	Oct 12, 2018
Instrument	99413
Transaction Type	Transfer
Record Updated	Oct 30, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,910.64
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 PARK ST NORTH READING MA 018642809, NORTH READING, MA 01864-2809

Mortgage

Document Number	99414
Date	Oct 12, 2018
Instrument	99414

Lender

Name	LEADER BK NA
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 11, 2048

Tax Assessment & Valuation

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	$7,688.00 (+2.34%)	$590,500 (+2.66%) Land $398,500 Building $192,000	$669,115
2025	$7,512.00 (+2.76%)	$575,200 (+3.94%) Land $383,200 Building $192,000
2024	$7,310.00 (+7.26%)	$553,400 (+13.61%) Land $361,400 Building $192,000
2023	$6,815.00	$487,100 Land $331,900 Building $155,200

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	7 (2001–2010)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Flooding, May 2006 · 5 claims

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	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 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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