Middlesex County and Reading Town property record for 475 West St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,318 sqft · built 1960 |
| Lot Size | 0.723 acres (31,498 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $205,000 (Aug 1997) |
| Tax Bill | $13,282 (2026) |
| Deeds & Mortgages | Aug 2025 Line of Credit Jul 2021 Refinance + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 98000000013A |
| Primary APN | 98000000013A |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 3,318 sqft Living Area |
| Gross Area | 4,621 sqft |
| Basement Area | 1,176 sqft |
| Unfinished Basement | 306 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 31,498 sqft (0.723 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 98000000013A |
|---|---|
| Street Address | 475 WEST ST |
| City | READING |
| State | MA |
| Zip | 01867-2238 |
| 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 | 4007 |
| Census Tract | 334200 |
Source: Middlesex County and Reading Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 475 WEST ST, READING, MA 01867-2238 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Aug 27, 2025 | Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK |
| Jul 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE MORTGAGE CORP |
| Aug 19, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance SALEM FIVE CENTS SAVINGS BANK |
| May 1, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Mar 26, 2018 | Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK |
| Dec 22, 2017 | Quit Claim Deed, Transfer SALEM FIVE MTG CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 25, 1997 · Amount on Record |
| Deed Sale | Aug 25, 1997 · Amount on Record |
| Last Transfer Date | Apr 13, 2023 |
| Transfer Doc | 081482-481 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 475 WEST ST, READING, MA 01867-2238 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 084544-373 |
|---|---|
| Date | Aug 27, 2025 |
| Book Page | 84544/373 |
| Instrument | 103318 |
| Name | SALEM FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 475 WEST ST, READING, MA 01867-2238 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 078235-414 |
|---|---|
| Date | Jul 13, 2021 |
| Book Page | 78235/414 |
| Instrument | 157938 |
| Name | SALEM FIVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 475 WEST ST, READING, MA 01867-2238 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0078504-92 |
|---|---|
| Date | Aug 19, 2021 |
| Book Page | 78504/92 |
| Instrument | 185900 |
| Name | SALEM FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | May 1, 2023 |
| Property Address | 475 WEST ST, READING, MA 01867-2238 |
| Document Number | 081482-481 |
| Book / Page | 81482 / 481 |
| Instrument Date | Apr 13, 2023 |
| Instrument | 43946 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 475 WEST ST, READING, MA 01867-2238 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 475 WEST ST, READING, MA 01867-2238 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 70775-470 |
|---|---|
| Date | Mar 26, 2018 |
| Book Page | 70775/470 |
| Instrument | 39522 |
| Name | SALEM FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Dec 22, 2017 |
| Property Address | 475 WEST ST, READING, MA 01867-2238 |
| Document Number | 70426-123 |
| Book / Page | 70426 / 123 |
| Instrument | 207806 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Tax | $78.89 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 475 WEST ST, READING, MA 01867-2238 |
| Document Number | 70426-127 |
|---|---|
| Date | Dec 22, 2017 |
| Book Page | 70426/127 |
| Instrument | 207807 |
| Name | SALEM FIVE MTG CO |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 372 Months |
| Due | Dec 1, 2048 |
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 |
|---|---|---|---|
| 2026 | $13,282.00 (+3.43%) | $1,211,900 (+7.49%) Land $572,300 Building $626,700 | $1,359,061 (+20.51%) |
| 2025 | $12,842.00 (+0.19%) | $1,127,500 (+3.09%) Land $532,000 Building $595,500 | $1,127,745 (-12.48%) |
| 2024 | $12,818.00 (+27.44%) | $1,093,700 (+36.9%) Land $515,900 Building $577,800 | $1,288,580 |
| 2023 | $10,058.00 | $798,900 Land $449,400 Building $349,500 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2001) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2001 · Severe Storms And 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 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.
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 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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