Middlesex County and Reading Town property record for 45 Pratt St, Reading, MA 01867 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,316 sqft · built 1906 |
| Lot Size | 0.291 acres (12,672 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $625,000 (Jul 2005) |
| Tax Bill | $12,698 (2025) |
| Deeds & Mortgages | Nov 2023 Transfer Nov 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:016.0-0000-0028.0 |
| Primary APN | READ M:016.0-0000-0028.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,316 sqft Living Area |
| Gross Area | 4,842 sqft |
| Basement Area | 1,320 sqft |
| Unfinished Basement | 1,320 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,672 sqft (0.291 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 400000000500 |
|---|---|
| Street Address | 45 PRATT ST |
| City | READING |
| State | MA |
| Zip | 01867-3433 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 334100 |
Source: Middlesex County and Reading Town records · APN READ M:016.0-0000-0028.0
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 Trust Names on File |
|---|---|
| Mailing Address | 45 PRATT ST, READING, MA 01867-3433 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Nov 14, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Nov 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSS CNTRY MTG |
| Apr 18, 2019 | Deed of Trust, Mortgage · Line of Credit READING CO-OP BK |
| Jun 16, 2017 | Deed of Trust, Mortgage · Conventional Mortgage READING CO-OP BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 29, 2005 · Amount on Record |
| Deed Sale | Jul 29, 2005 · Amount on Record |
| Deed Book / Page | 1305 / 49 |
| Last Transfer Date | Nov 03, 2023 |
| Transfer Doc | 0001947455 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Nov 14, 2023 |
| Property Address | 45 PRATT ST, READING, MA 01867-3433 |
| Document Number | 0001947455 |
| Instrument Date | Nov 03, 2023 |
| Instrument | 1947455 |
| Transaction Type | Transfer |
| Record Updated | Dec 08, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 PRATT ST, READING, MA 01867-3433 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 45 PRATT ST, READING, MA 01867-3433 |
| Document Number | 0001861223 |
| Instrument Date | Nov 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 09, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 45 PRATT ST READING MA 018673433, READING, MA 01867-3433 |
| Document Number | 0001861223 |
|---|---|
| Date | Nov 19, 2020 |
| Instrument | 1861223 |
| Name | CROSS CNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 18, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 45 PRATT ST, READING, MA 01867-3433 |
| Document Number | 0000011586 |
| Instrument Date | Apr 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 45 PRATT ST READING MA 018673433, READING, MA 01867-3433 |
| Document Number | 0000011586 |
|---|---|
| Date | Apr 24, 2019 |
| Instrument | 11586 |
| Name | READING CO-OP BK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 23, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 45 PRATT ST, READING, MA 01867-3433 |
| Document Number | 0000063117 |
| Instrument Date | Jun 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2017 |
| Name | Verified Name |
|---|
| Document Number | 0000063117 |
|---|---|
| Date | Jun 21, 2017 |
| Instrument | 63117 |
| Name | READING CO-OP BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 20, 2032 |
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 | $12,698.00 (+2.95%) | $1,114,800 (+5.93%) Land $576,900 Building $537,900 | $1,035,975 (+8.18%) |
| 2024 | $12,334.00 (+0.37%) | $1,052,400 (+7.82%) Land $543,900 Building $508,500 | $957,600 |
| 2023 | $12,289.00 | $976,100 Land $503,600 Building $472,500 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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