468 Franklin St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 468 Franklin St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,647 sqft · built 1977
Lot Size	0.491 acres (21,392 sqft)
Owner	2 Individual Names on File
Last Sale	$780,000 (May 2023)
Tax Bill	$10,379 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:038.0-0000-0194.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:038.0-0000-0194.0`
Alternative APNs	`M:038.0=0000=0194.0` `1780000000040` `1780000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,647 sqft Living Area
Gross Area	2,857 sqft
Basement Area	1,248 sqft
Unfinished Basement	874 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,392 sqft (0.491 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1780000000040
Street Address	468 FRANKLIN ST
City	READING
State	MA
Zip	01867-1225
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	3
Census Block	3008
Census Tract	334300

Owner

468 Franklin St is owned and occupied by two individuals who bought it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	468 FRANKLIN ST, READING, MA 01867-1225
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2023 · Amount on File
Deed Sale	May 19, 2023 · Amount on File
Deed Book / Page	81550 / 264
Prior Transfer Date	May 18, 2023
Prior Transfer Doc	081550-264
Record Updated	Oct 29, 2026

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	May 19, 2023
Property Address	468 FRANKLIN ST, READING, MA 01867-1225
Document Number	081550-264
Book / Page	81550 / 264
Instrument Date	May 18, 2023
Instrument	51825
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	468 FRANKLIN ST, READING, MA 01867-1225

Mortgage

Document Number	0000051826
Date	May 19, 2023
Instrument	51826

Lender

Name	NBKC BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 468 Franklin St was $10,379, up 3.5% 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	$10,379.00 (+3.53%)	$947,000 (+7.59%) Land $533,600 Building $413,400	$866,278 (+1.35%)
2025	$10,025.00 (+0.21%)	$880,200 (+3.12%) Land $496,000 Building $384,200	$854,715 (+4.7%)
2024	$10,004.00 (+6.86%)	$853,600 (+14.79%) Land $481,000 Building $372,600	$816,335
2023	$9,362.00	$743,600 Land $419,000 Building $324,600

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

Flood

FEMA maps place 468 Franklin 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	1 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 468 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 98% of the US · lower than 96% 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 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Franklin St

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