450 Franklin St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 450 Franklin St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,428 sqft · built 2008
Lot Size	0.466 acres (20,282 sqft)
Owner	2 Trust Names on File
Last Sale	$287,000 (Nov 2008)
Tax Bill	$14,807 (2026)
Deeds & Mortgages	Jan 2024 Sale Mar 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:044.0-0000-0007.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:044.0-0000-0007.0`
Alternative APNs	`M:044.0=0000=0007.0` `1780000000060` `1780000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,428 sqft Living Area
Gross Area	8,090 sqft
Basement Area	1,461 sqft
Unfinished Basement	1,461 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,282 sqft (0.466 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1780000000060
Street Address	450 FRANKLIN ST
City	READING
State	MA
Zip	01867-1220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	3
Census Block	3008
Census Tract	334300

Owner

450 Franklin St is owner-occupied and held in a trust since December 2023.

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

Owner of Record	2 Trust Names on File
Mailing Address	450 FRANKLIN ST, READING, MA 01867-1220
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jan 4, 2024	Deed, Transfer
Mar 28, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 22, 2019	Deed of Trust, Mortgage · ARM US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2008 · Amount on File
Deed Sale	Nov 7, 2008 · Amount on File
Deed Document Number	2008180734
Deed Book / Page	51876 / 298
Last Transfer Date	Dec 27, 2023
Transfer Doc	082371-186
Record Updated	Oct 29, 2026

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	READING MA
Recording Date	Jan 4, 2024
Property Address	450 FRANKLIN ST, READING, MA 01867-1220
Document Number	082371-186
Book / Page	82371 / 186
Instrument Date	Dec 27, 2023
Instrument	1117
Transaction Type	Transfer
Record Updated	Jan 19, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 FRANKLIN ST, READING, MA 01867-1220

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	450 FRANKLIN ST, READING, MA 01867-1220
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	079883-215
Date	Mar 28, 2022
Book Page	79883/215
Instrument	45638

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	450 FRANKLIN ST, READING, MA 01867-1220
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73501-137
Date	Oct 22, 2019
Book Page	73501/137
Instrument	162862

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Nov 1, 2026
Index	1-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 450 Franklin St was $14,807, up 3.5% 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	$14,807.00 (+3.52%)	$1,351,000 (+7.58%) Land $529,300 Building $821,700	$1,543,361 (+13.9%)
2025	$14,304.00 (+0.22%)	$1,255,800 (+3.12%) Land $492,000 Building $763,800	$1,354,985 (+4.79%)
2024	$14,273.00 (+6.87%)	$1,217,800 (+14.8%) Land $477,100 Building $740,700	$1,293,045
2023	$13,355.00	$1,060,800 Land $415,600 Building $645,200

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

Flood

FEMA maps place 450 Franklin St 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	1 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 450 Franklin St 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 144 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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