Middlesex County and Reading Town property record for 47 Harvard St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,903 sqft · built 1957 |
| Lot Size | 0.31 acres (13,491 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $797,000 (Apr 2021) |
| Tax Bill | $9,068 (2025) |
| Deeds & Mortgages | Dec 2023 Transfer Dec 2019 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:026.0-0000-0151.0 |
| Primary APN | READ M:026.0-0000-0151.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,903 sqft Living Area |
| Gross Area | 2,853 sqft |
| Basement Area | 848 sqft |
| Unfinished Basement | 509 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,491 sqft (0.31 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 1120000000970 |
|---|---|
| Street Address | 47 HARVARD ST |
| City | READING |
| State | MA |
| Zip | 01867-2020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 334300 |
Source: Middlesex County and Reading Town records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Trust Names on Record |
|---|---|
| Mailing Address | 47 HARVARD ST, READING, MA 01867-2020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Dec 11, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Dec 3, 2019 | Deed of Trust, Mortgage · VA Mortgage MERIDIAN BANK |
| Sep 28, 2020 | Deed of Trust, Mortgage · VA Mortgage MERIDIAN BANK |
| Apr 2, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage RESIDENTIAL MORTGAGE SERVICES |
| Mar 29, 2019 | Quit Claim Deed, Transfer · VA Mortgage RADIUS FINANCIAL GROUP |
| Jan 29, 2018 | Deed of Trust, Mortgage · Line of Credit HARVARD UNIV CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 2, 2021 · Amount on Record |
| Deed Sale | Apr 2, 2021 · Amount on Record |
| Prior Sale | Mar 29, 2019 · Amount on Record |
| Deed Document Number | 202175169 |
| Deed Book / Page | 77418 / 23 |
| Last Transfer Date | Dec 8, 2023 |
| Transfer Doc | 082294-411 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Dec 11, 2023 |
| Property Address | 47 HARVARD ST, READING, MA 01867-2020 |
| Document Number | 082294-411 |
| Book / Page | 82294 / 411 |
| Instrument Date | Dec 8, 2023 |
| Instrument | 140816 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 47 HARVARD ST, READING, MA 01867-2020 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 47 HARVARD ST, READING, MA 01867-2020 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 073756-399 |
|---|---|
| Date | Dec 3, 2019 |
| Book Page | 73756/399 |
| Instrument | 189943 |
| Name | MERIDIAN BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 47 HARVARD ST, READING, MA 01867-2020 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2022 |
| Name | Verified Name |
|---|
| Document Number | 075736-371 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 75736/371 |
| Instrument | 172732 |
| Name | MERIDIAN BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Apr 2, 2021 |
| Property Address | 47 HARVARD ST, READING, MA 01867-2020 |
| Document Number | 0077418-23 |
| Book / Page | 77418 / 23 |
| Instrument Date | Apr 2, 2021 |
| Instrument | 75169 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 0000075170 |
|---|---|
| Date | Apr 2, 2021 |
| Instrument | 75170 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Mar 29, 2019 |
| Property Address | 47 HARVARD ST, READING, MA 01867-2020 |
| Document Number | 72394-53 |
| Book / Page | 72394 / 53 |
| Instrument Date | Mar 8, 2019 |
| Instrument | 38937 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 47 HARVARD ST, READING, MA 01867-2020 |
| Document Number | 38938 |
|---|---|
| Date | Mar 29, 2019 |
| Instrument | 38938 |
| Name | RADIUS FINANCIAL GROUP |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 47 HARVARD ST, READING, MA 01867-2020 |
| Document Number | 70596-124 |
| Instrument Date | Jan 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2018 |
| Name | Verified Name |
|---|
| Document Number | 70596-124 |
|---|---|
| Date | Feb 5, 2018 |
| Book Page | 070596/000124 |
| Instrument | 243 |
| Name | HARVARD UNIV CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 4, 2043 |
| Rate Type | Adjustable Rate |
|---|
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 |
|---|---|---|---|
| 2025 | $9,068.00 (+1.17%) | $796,100 (+4.09%) Land $495,100 Building $301,000 | $874,285 (-6.39%) |
| 2024 | $8,963.00 (+3.25%) | $764,800 (+10.92%) Land $475,600 Building $289,200 | $933,945 |
| 2023 | $8,681.00 | $689,500 Land $428,800 Building $260,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 90% 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.
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 368 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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