Middlesex County and Reading Town property record for 48 Bear Hill Rd, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,412 sqft · built 1948 |
| Lot Size | 0.195 acres (8,499 sqft) |
| Owner | Individual Name on File |
| Last Sale | $439,000 (May 2014) |
| Tax Bill | $8,039 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit Dec 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:008.0-0000-0069.0 |
| Primary APN | READ M:008.0-0000-0069.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,412 sqft Living Area |
| Gross Area | 3,344 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 416 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,499 sqft (0.195 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 130000000660 |
|---|---|
| Street Address | 48 BEAR HILL RD |
| City | READING |
| State | MA |
| Zip | 01867-4007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 334400 |
Source: Middlesex County and Reading Town records · APN READ M:008.0-0000-0069.0
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 48 BEAR HILL RD, READING, MA 01867-4007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 01, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Dec 13, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Mar 24, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Dec 13, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/RI |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 16, 2014 · Amount on Record |
| Deed Sale | May 16, 2014 · Amount on Record |
| Prior Sale | Jul 16, 1992 · Amount on Record |
| Deed Book / Page | 63623 / 156 |
| Transfer Doc | 0000001418 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 48 BEAR HILL RD, READING, MA 01867-4007 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 080897-281 |
|---|---|
| Date | Nov 01, 2022 |
| Book Page | 80897/281 |
| Instrument | 162392 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Dec 01, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 48 BEAR HILL RD, READING, MA 01867-4007 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0079334-54 |
|---|---|
| Date | Dec 13, 2021 |
| Book Page | 79334/54 |
| Instrument | 268250 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 48 BEAR HILL RD, READING, MA 01867-4007 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0083884-68 |
|---|---|
| Date | Mar 24, 2025 |
| Book Page | 83884/68 |
| Instrument | 29271 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 01, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 48 BEAR HILL RD, READING, MA 01867-4007 |
| Document Number | 70397-462 |
| Book / Page | 070397 / 000462 |
| Instrument Date | Dec 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2018 |
| Name | Verified Name |
|---|
| Document Number | 70397-462 |
|---|---|
| Date | Dec 18, 2017 |
| Book Page | 070397/000462 |
| Instrument | 4417 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 17, 2047 |
Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,039.00 (+3.06%) | $705,800 (+6.06%) Land $375,900 Building $329,900 | $827,165 (+3.27%) |
| 2024 | $7,800.00 (-2.26%) | $665,500 (+5%) Land $354,400 Building $311,100 | $800,945 |
| 2023 | $7,980.00 | $633,800 Land $337,500 Building $296,300 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 2 (1982–1996) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 1996 · Extreme Weather Conditons And Flooding |
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Radiate Holdings Cable | 1,500 / 50 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 245 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | READING WATER DEPARTMENT (MWRA) serves 26,262 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures