Middlesex County and Reading Town property record for 46 Richards Rd, Reading, MA 01867 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 1953 |
| Square Footage | 3,083 sqft Living Area |
| Lot Size | 15,002 sqft (0.344 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $760,000 (2021) |
| Tax Bill | $10,822.00 (2025) |
| Primary APN | READ M:035.0-0000-0029.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 3,083 sqft Living Area |
| Gross Area | 4,061 sqft Gross Area |
| Basement Area | 1,341 sqft Basement |
| Unfinished Basement | 670 sqft Unfinished |
| Stories | 2 Stories |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Colonial Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 15,002 sqft (0.344 acres) |
| Garage Type | Attached Garage |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Hot Water Heating |
| Heating Fuel | Oil Heating Fuel |
| Account Number | 1450000000890 |
|---|---|
| Street Address | 46 RICHARDS RD |
| City | READING |
| State | MA |
| Zip | 01867-1838 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Jurisdiction | READING MA |
| Minor Civil Division | READING |
| Census Blockgroup | 1 |
| Census Block | 1008 |
| Census Tract | 334400 |
Source: Middlesex County and Reading Town records · APN READ M:035.0-0000-0029.0
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 RICHARDS RD, READING, MA 01867-1838 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Tenant By Entirety |
| Date | Document |
|---|---|
| Jan 29, 2026 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| Jun 23, 2017 | Deed of Trust, Mortgage CENTURY BANK & TRUST CO |
| Apr 15, 2021 | Deed of Trust, Mortgage · Stand Alone Refinance PATRICK LUND |
| Nov 05, 2021 | Deed of Trust, Mortgage · Adjustable Rate Mortgage (ARM) WASHINGTON TRUST MORTGAGE CO |
| Jun 09, 2021 | Quit Claim Arm's Length for NE States, Transfer · Stand Alone First Mortgage NORTHERN BANK & TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 09, 2021 · Amount on Record |
| Deed Sale | Jun 09, 2021 · Amount on Record |
| Prior Sale | Jul 20, 1999 · Amount on Record |
| Deed Doc Number | 2021130229 |
| Deed Book / Page | 77972 / 495 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 46 RICHARDS RD, READING, MA 01867-1838 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0085169-11 |
|---|---|
| Date | Jan 29, 2026 |
| Book Page | 85169/11 |
| Instrument | 9942 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 46 RICHARDS RD, READING, MA 01867-1838 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 069481-241 |
|---|---|
| Date | Jun 23, 2017 |
| Book Page | 69481/241 |
| Instrument | 95555 |
| Name | CENTURY BANK & TRUST CO |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jun 01, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 46 RICHARDS RD, READING, MA 01867-1838 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 077520-391 |
|---|---|
| Date | Apr 15, 2021 |
| Book Page | 77520/391 |
| Instrument | 84922 |
| Name | PATRICK LUND |
|---|
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 46 RICHARDS RD, READING, MA 01867-1838 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 079083-303 |
|---|---|
| Date | Nov 05, 2021 |
| Book Page | 79083/303 |
| Instrument | 242865 |
| Name | WASHINGTON TRUST MORTGAGE CO |
|---|
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.13% |
| Type Change Date | Dec 01, 2028 |
| Index | 1-Year CMT |
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jun 09, 2021 |
| Property Address | 46 RICHARDS RD, READING, MA 01867-1838 |
| Document Number | 077972-495 |
| Book / Page | 77972 / 495 |
| Instrument Date | Jun 08, 2021 |
| Instrument | 130229 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 46 RICHARDS RD, READING, MA 01867-1838 |
| Document Number | 0000130230 |
|---|---|
| Date | Jun 09, 2021 |
| Instrument | 130230 |
| Name | NORTHERN BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.13% |
| Type Change Date | Jul 01, 2028 |
| Max Rate At Change | 2.75% |
| Index | 1-Year CMT |
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 | $10,822.00 (+1.17%) | $950,100 (+4.1%) Land $500,800 Building $449,300 | $865,545 (+19.46%) |
| 2024 | $10,697.00 (+3.22%) | $912,700 (+10.89%) Land $481,100 Building $431,600 | $724,565 |
| 2023 | $10,363.00 | $823,100 Land $433,800 Building $389,300 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low 20th percentile nationally · 58th in Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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