482 Franklin St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 482 Franklin St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,314 sqft · built 1845
Lot Size	0.589 acres (25,674 sqft)
Owner	2 Individual Names on Record
Last Sale	$625,000 (Apr 2021)
Tax Bill	$8,212 (2026)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:038.0-0000-0100.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:038.0-0000-0100.0`
Alternative APNs	`M:038.0=0000=0100.0` `1530000000060` `1530000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,314 sqft Living Area
Gross Area	2,573 sqft
Basement Area	420 sqft
Unfinished Basement	420 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1845
Effective Year Built	Effective 1957
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,674 sqft (0.589 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1530000000060
Street Address	482 FRANKLIN ST
City	READING
State	MA
Zip	01867-1223
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	4004
Census Tract	334300

Owner

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 Individual Names on Record
Mailing Address	482 FRANKLIN ST, READING, MA 01867-1223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK OF CANTON
Jul 19, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage RADIUS FINANCIAL GROUP
Apr 16, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2021 · Amount on Record
Deed Sale	Apr 8, 2021 · Amount on Record
Prior Sale	Jul 19, 2019 · Amount on Record
Deed Book / Page	77464 / 94
Record Updated	Oct 29, 2026

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Apr 8, 2021
Property Address	482 FRANKLIN ST, READING, MA 01867-1223
Document Number	77464-94
Book / Page	77464 / 94
Instrument Date	Apr 8, 2021
Instrument	79387
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	Joint Tenants
Address	482 FRANKLIN ST, READING, MA 01867-1223

Mortgage

Document Number	79388
Date	Apr 8, 2021
Instrument	79388

Lender

Name	BANK OF CANTON
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jul 19, 2019
Property Address	482 FRANKLIN ST, READING, MA 01867-1223
Document Number	72960-228
Book / Page	72960 / 228
Instrument Date	Jul 18, 2019
Instrument	104063
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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
Address	482 FRANKLIN ST, READING, MA 01867-1223

Mortgage

Document Number	104068
Date	Jul 19, 2019
Instrument	104068

Lender

Name	RADIUS FINANCIAL GROUP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	482 FRANKLIN ST, READING, MA 01867-1223
Document Number	72579-232
Instrument Date	Apr 16, 2019
Transaction Type	Mortgage
Record Updated	May 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	482 FRANKLIN ST READING MA 018671223, READING, MA 01867-1223

Mortgage

Document Number	72579-232
Date	May 10, 2019
Book Page	072579/000232
Instrument	60163

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$8,212.00 (+3.52%)	$749,300 (+7.58%) Land $522,500 Building $226,600	$752,839 (-1.76%)
2025	$7,933.00 (+0.21%)	$696,500 (+3.12%) Land $485,700 Building $210,800	$766,365 (+4.89%)
2024	$7,916.00 (+6.86%)	$675,400 (+14.79%) Land $471,000 Building $204,400	$730,645
2023	$7,408.00	$588,400 Land $410,300 Building $178,100

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

Flood

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

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

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