Middlesex County and Reading Town property record for 46 Prescott St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,629 sqft · built 1917 |
| Lot Size | 0.227 acres (9,901 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $530,000 (May 2018) |
| Tax Bill | $7,928 (2026) |
| Deeds & Mortgages | Aug 2021 Line of Credit Dec 2025 Transfer + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:016.0-0000-0052.0 |
| Primary APN | READ M:016.0-0000-0052.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,629 sqft Living Area |
| Gross Area | 2,751 sqft |
| Basement Area | 558 sqft |
| Unfinished Basement | 558 sqft |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 9,901 sqft (0.227 acres) |
| Garage Type | Attached |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 410000000020 |
|---|---|
| Street Address | 46 PRESCOTT ST |
| City | READING |
| State | MA |
| Zip | 01867-3509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 334100 |
46 Prescott St is owner-occupied and held in a trust since December 2025.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 46 PRESCOTT ST, READING, MA 01867-3509 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 3, 2021 | Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK |
| Dec 23, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Aug 3, 2021 | Deed of Trust, Mortgage · Line of Credit CAMBRIDGE SAVINGS BANK |
| Dec 18, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Dec 23, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC |
| May 16, 2018 | Quit Claim Deed, Transfer · Conventional with PMI GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2018 · Amount on File |
| Deed Sale | May 16, 2018 · Amount on File |
| Prior Sale | Sep 25, 1963 · Amount on File |
| Deed Book / Page | 71017 / 566 |
| Last Transfer Date | Dec 18, 2025 |
| Transfer Doc | 085046-177 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 46 PRESCOTT ST, READING, MA 01867-3509 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 078395-261 |
|---|---|
| Date | Aug 3, 2021 |
| Book Page | 78395/261 |
| Instrument | 174359 |
| Name | CAMBRIDGE SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Dec 23, 2025 |
| Property Address | 46 PRESCOTT ST, READING, MA 01867-3509 |
| Document Number | 085046-177 |
| Book / Page | 85046 / 177 |
| Instrument Date | Dec 18, 2025 |
| Instrument | 157836 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 PRESCOTT ST, READING, MA 01867-3509 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 46 PRESCOTT ST, READING, MA 01867-3509 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78395-261 |
|---|---|
| Date | Aug 3, 2021 |
| Book Page | 78395/261 |
| Instrument | 174359 |
| Name | CAMBRIDGE SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 46 PRESCOTT ST, READING, MA 01867-3509 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 73847-103 |
|---|---|
| Date | Dec 18, 2019 |
| Book Page | 73847/103 |
| Instrument | 200683 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 46 PRESCOTT ST, READING, MA 01867-3509 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76510-429 |
|---|---|
| Date | Dec 23, 2020 |
| Book Page | 76510/429 |
| Instrument | 246098 |
| Name | NEWREZ LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | May 16, 2018 |
| Property Address | 46 PRESCOTT ST, READING, MA 01867-3509 |
| Document Number | 71017-566 |
| Book / Page | 071017 / 000566 |
| Instrument Date | May 11, 2018 |
| Instrument | 68792 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2019 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,416.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 PRESCOTT ST READING MA 018673509, READING, MA 01867-3509 |
| Document Number | 71017-569 |
|---|---|
| Date | May 16, 2018 |
| Book Page | 071017/000569 |
| Instrument | 68793 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 15, 2048 |
The 2026 property tax bill for 46 Prescott St was $7,928, up 4% from the year before.
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,928.00 (+3.99%) | $723,400 (+8.07%) Land $483,500 Building $239,900 | $756,805 (-0.93%) |
| 2025 | $7,624.00 (-1.15%) | $669,400 (+1.72%) Land $447,400 Building $222,000 | $763,895 (+5.33%) |
| 2024 | $7,713.00 (-1.2%) | $658,100 (+6.13%) Land $439,900 Building $218,200 | $725,230 |
| 2023 | $7,807.00 | $620,100 Land $414,500 Building $205,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 Prescott St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.
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 | 2 in force |
| Nearby Flood Claims | 3 (1979–1998) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Jun 1998 · Heavy Rains And Flooding |
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 risk around 46 Prescott 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 424 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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