465 Franklin St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 465 Franklin St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,096 sqft · built 1966
Lot Size	1.16 acres (50,530 sqft)
Owner	Individual Name on File
Last Sale	$1,125,000 (Nov 2024)
Tax Bill	$11,792 (2026)
Deeds & Mortgages	Jan 2021 Refinance Mar 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:038.0-0000-0170.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:038.0-0000-0170.0`
Alternative APNs	`M:038.0=0000=0170.0` `1760000000030` `1760000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,096 sqft Living Area
Gross Area	3,304 sqft
Basement Area	1,404 sqft
Finished Basement	1,404 sqft
Unfinished Basement	1,404 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1979
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,530 sqft (1.16 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1760000000030
Street Address	465 FRANKLIN ST
City	READING
State	MA
Zip	01867-1221
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	4
Census Block	4000
Census Tract	334300

Owner

465 Franklin St is owned and occupied by an individual who bought it in November 2024.

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

Owner of Record	Individual Name on File
Mailing Address	465 FRANKLIN ST, READING, MA 01867-1221
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Mar 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Mar 28, 2022	Quit Claim Deed, Transfer Quitclaim
Mar 28, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 8, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2024 · Amount on File
Deed Sale	Nov 8, 2024 · Amount on File
Prior Sale	Feb 17, 2004 · Amount on File
Deed Book / Page	83451 / 520
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	465 FRANKLIN ST, READING, MA 01867-1221
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076739-124
Date	Jan 20, 2021
Book Page	76739/124
Instrument	13449

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	229 Months
Due	Feb 1, 2040

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	465 FRANKLIN ST, READING, MA 01867-1221
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00079885-1
Date	Mar 28, 2022
Book Page	79885/1
Instrument	45820

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	169 Months
Due	Apr 1, 2036

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Mar 28, 2022
Property Address	465 FRANKLIN ST, READING, MA 01867-1221
Document Number	0079885-24
Book / Page	79885 / 24
Instrument Date	Sep 14, 2021
Instrument	45822
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 FRANKLIN ST, READING, MA 01867-1221

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Mar 28, 2022
Property Address	465 FRANKLIN ST, READING, MA 01867-1221
Document Number	079884-589
Book / Page	79884 / 589
Instrument Date	Sep 14, 2021
Instrument	45819
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	465 FRANKLIN ST, READING, MA 01867-1221

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Sep 8, 2020
Property Address	465 FRANKLIN ST, READING, MA 01867-1221
Document Number	75553-413
Book / Page	075553 / 000413
Instrument Date	Aug 26, 2020
Instrument	156038
Transaction Type	Transfer
Record Updated	Sep 29, 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
Address	465 FRANKLIN ST READING MA 018671221, READING, MA 01867-1221

Tax Assessment & Valuation

The 2026 property tax bill for 465 Franklin St was $11,792, up 3.4% 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	$11,792.00 (+3.38%)	$1,075,900 (+7.44%) Land $589,900 Building $468,300	$975,544 (-8.45%)
2025	$11,406.00 (+0.17%)	$1,001,400 (+3.07%) Land $548,300 Building $453,100	$1,065,615 (+2.67%)
2024	$11,387.00 (+6.58%)	$971,600 (+14.49%) Land $531,700 Building $439,900	$1,037,875
2023	$10,684.00	$848,600 Land $463,200 Building $385,400

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

Flood

FEMA maps place 465 Franklin St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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	5 in force
Nearby Flood Claims	3 (1978–2004)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Apr 2004 · 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

Wildfire risk around 465 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 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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