46 South St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 46 South St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,310 sqft · built 1961
Lot Size	0.597 acres (26,014 sqft)
Owner	2 Trust Names on File
Last Sale	$340,000 (Apr 1988)
Tax Bill	$12,396 (2026)
Deeds & Mortgages	Sep 2021 Refinance Jan 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:006.0-0000-0082.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:006.0-0000-0082.0`
Alternative APNs	`M:006.0=0000=0082.0` `150000000360` `150000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,310 sqft Living Area
Gross Area	7,003 sqft
1st Floor Area	770 sqft
Basement Area	1,564 sqft
Unfinished Basement	1,564 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,014 sqft (0.597 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	150000000360
Street Address	46 SOUTH ST
City	READING
State	MA
Zip	01867-3700
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	5
Census Block	5022
Census Tract	334100

Owner

46 South St is owner-occupied and held in a trust since June 2020.

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

Owner of Record	2 Trust Names on File
Mailing Address	46 SOUTH ST, READING, MA 01867-3700
Occupancy	Owner Occupied
Owner Type	Company
Vesting	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
Sep 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAMBRIDGE TRUST CO
Jan 8, 2021	Deed of Trust, Mortgage · Line of Credit CAMBRIDGE TRUST CO
Jun 3, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 1988 · Amount on File
Deed Sale	Apr 15, 1988 · Amount on File
Last Transfer Date	Jun 3, 2020
Transfer Doc	74813-353
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	46 SOUTH ST, READING, MA 01867-3700
Transaction Type	Mortgage
Record Updated	Oct 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78734-277
Date	Sep 20, 2021
Book Page	78734/277
Instrument	208351

Lender

Name	CAMBRIDGE TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	46 SOUTH ST, READING, MA 01867-3700
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76645-286
Date	Jan 8, 2021
Book Page	76645/286
Instrument	4528

Lender

Name	CAMBRIDGE TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	229 Months
Due	Feb 1, 2040

Interest

Rate Type	Adjustable Rate

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jun 3, 2020
Property Address	46 SOUTH ST, READING, MA 01867-3700
Document Number	74813-353
Book / Page	074813 / 000353
Instrument Date	Jun 3, 2020
Instrument	85333
Transaction Type	Transfer
Record Updated	Jun 23, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	46 SOUTH ST READING MA 018673700, READING, MA 01867-3700

Tax Assessment & Valuation

The 2026 property tax bill for 46 South St was $12,396, up 1.5% 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	$12,396.00 (+1.48%)	$1,131,000 (+5.46%) Land $572,200 Building $550,900	$1,271,866 (+28.47%)
2025	$12,215.00 (+1.14%)	$1,072,400 (+4.07%) Land $542,300 Building $530,100	$989,995 (-5.64%)
2024	$12,077.00 (+3.16%)	$1,030,500 (+10.82%) Land $521,000 Building $509,500	$1,049,180
2023	$11,707.00	$929,900 Land $469,700 Building $460,200

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

Flood

FEMA maps place 46 South 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	3 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 46 South 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 163 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

May also be available: Astound Broadband, AT&T.

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