45 Pine Ridge Rd, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 45 Pine Ridge Rd, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,551 sqft · built 1949
Lot Size	0.23 acres (10,014 sqft)
Owner	2 Individual Names on File
Last Sale	$635,000 (Dec 2017)
Tax Bill	$10,369 (2026)
Deeds & Mortgages	Jul 2025 Mortgage Jun 2021 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:006.0-0000-0173.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:006.0-0000-0173.0`
Alternative APNs	`M:006.0=0000=0173.0` `240000000110` `240000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,551 sqft Living Area
Gross Area	3,565 sqft
Basement Area	875 sqft
Unfinished Basement	534 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1970
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,014 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	240000000110
Street Address	45 PINE RIDGE RD
City	READING
State	MA
Zip	01867-3740
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	5
Census Block	5008
Census Tract	334100

Owner

45 Pine Ridge Rd is owned and occupied by two individuals who bought it in December 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	45 PINE RIDGE RD, READING, MA 01867-3740
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

Date	Document
Jul 25, 2025	Deed of Trust, Mortgage BANK OF AMERICA NA
Jun 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC
Jun 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC
Apr 14, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MTG
Jul 21, 2019	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MTG
Dec 14, 2017	Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2017 · Amount on File
Deed Sale	Dec 14, 2017 · Amount on File
Prior Sale	Nov 8, 2016 · Amount on File
Transfer Doc	0001777534
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	45 PINE RIDGE RD, READING, MA 01867-3740
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001981785
Date	Jul 25, 2025
Instrument	1981785

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	45 PINE RIDGE RD, READING, MA 01867-3740
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001882399
Date	Jun 8, 2021
Instrument	1882399

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2046

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	45 PINE RIDGE RD, READING, MA 01867-3740
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1882399
Date	Jun 8, 2021
Instrument	1882399

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2046

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	45 PINE RIDGE RD, READING, MA 01867-3740
Document Number	0001840546
Instrument Date	Apr 14, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 PINE RIDGE RD READING MA 018673740, READING, MA 01867-3740

Mortgage

Document Number	0001840546
Date	Apr 27, 2020
Instrument	1840546

Lender

Name	NATIONSTAR MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	45 PINE RIDGE RD, READING, MA 01867-3740
Document Number	0000019475
Instrument Date	Jul 21, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 PINE RIDGE RD READING MA 018673740, READING, MA 01867-3740

Mortgage

Document Number	0000019475
Date	Aug 1, 2019
Instrument	19475

Lender

Name	NATIONSTAR MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2049

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Dec 14, 2017
Property Address	45 PINE RIDGE RD, READING, MA 01867-3740
Document Number	0000077534
Instrument Date	Dec 14, 2017
Instrument	77534
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,895.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 PINE RIDGE RD READING MA 018673740, READING, MA 01867-3740

Mortgage

Document Number	77535
Date	Dec 14, 2017
Instrument	77535

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 45 Pine Ridge Rd was $10,369, up 0.9% from the year before.

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	$10,369.00 (+0.91%)	$946,100 (+4.88%) Land $578,600 Building $367,000	$1,035,356 (+6.37%)
2025	$10,275.00 (-1.22%)	$902,100 (+1.65%) Land $551,700 Building $350,400	$973,370 (+3.54%)
2024	$10,402.00 (+6.26%)	$887,500 (+14.15%) Land $542,700 Building $344,800	$940,120
2023	$9,789.00	$777,500 Land $475,400 Building $302,100

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

Flood

FEMA maps place 45 Pine Ridge Rd in Zone X, an area of minimal flood risk.

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	3 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 45 Pine Ridge Rd 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 99.1% of the US · lower than 98.7% 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Astound Broadband, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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