46 Howard St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 46 Howard St, Reading, MA 01867 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,827 sqft · built 1996
Lot Size	0.359 acres (15,625 sqft)
Owner	2 Individual Names on File
Last Sale	$1,325,000 (Oct 2022)
Tax Bill	$14,599 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:010.0-0000-0225.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:010.0-0000-0225.0`
Alternative APNs	`M:010.0=0000=0225.0` `320000000200` `320000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,827 sqft Living Area
Gross Area	7,274 sqft
1st Floor Area	914 sqft
Basement Area	2,187 sqft
Unfinished Basement	2,187 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,625 sqft (0.359 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	320000000200
Street Address	46 HOWARD ST
City	READING
State	MA
Zip	01867-3313
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	3
Census Block	3011
Census Tract	334100

Owner

Source: Middlesex County and Reading Town records · APN READ M:010.0-0000-0225.0

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 Individual Names on File
Mailing Address	46 HOWARD ST, READING, MA 01867-3313
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 11, 2022 · Amount on Record
Deed Sale	Oct 11, 2022 · Amount on Record
Prior Sale	Aug 26, 2005 · Amount on Record
Deed Book / Page	80812 / 423
Record Updated	Sep 20, 2026

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Oct 11, 2022
Property Address	46 HOWARD ST, READING, MA 01867-3313
Document Number	080812-423
Book / Page	80812 / 423
Instrument Date	Oct 11, 2022
Instrument	152335
Transaction Type	Transfer
Record Updated	Oct 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	46 HOWARD ST, READING, MA 01867-3313

Mortgage

Document Number	0000152336
Date	Oct 11, 2022
Instrument	152336

Lender

Name	EVERETT COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.38%
Type Change Date	Nov 01, 2029
Max Rate At Change	2.75%
Index	1-Year CMT

Tax Assessment & Valuation

Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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	$14,599.00 (-1.21%)	$1,281,700 (+1.65%) Land $575,900 Building $705,800	$1,482,190 (-1.82%)
2024	$14,778.00 (+21.83%)	$1,260,900 (+30.87%) Land $566,600 Building $694,300	$1,509,645
2023	$12,130.00	$963,500 Land $496,300 Building $467,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173341003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978, tidal / storm surge

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 424 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 2,000
Verizon	Fiber	980 / 880
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.