486 Franklin St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 486 Franklin St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,344 sqft · built 1900
Lot Size	0.766 acres (33,363 sqft)
Owner	2 Individual Names on File
Last Sale	$659,000 (Aug 2025)
Tax Bill	$9,215 (2026)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Jul 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:038.0-0000-0099.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:038.0-0000-0099.0`
Alternative APNs	`M:038.0=0000=0099.0` `1530000000050` `1530000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
Gross Area	2,464 sqft
1st Floor Area	1,830 sqft
Basement Area	744 sqft
Unfinished Basement	744 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1955
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,363 sqft (0.766 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1530000000050
Street Address	486 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

486 Franklin St is owned by two individuals who bought it in August 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	121 PLEASANT ST, READING, MA 01867-3020
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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

Date	Document
Aug 29, 2025	Quit Claim Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Jul 16, 2025	Quit Claim Deed, Transfer Quitclaim
May 30, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE
Aug 23, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2025 · Amount on File
Deed Sale	Aug 29, 2025 · Amount on File
Prior Sale	May 30, 2024 · Amount on File
Deed Book / Page	84556 / 308
Record Updated	Oct 29, 2026

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 29, 2025
Property Address	486 FRANKLIN ST, READING, MA 01867-1223
Document Number	084556-308
Book / Page	84556 / 308
Instrument Date	Aug 29, 2025
Instrument	104605
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	Joint Tenants with Right of Survivorship
Address	121 PLEASANT ST, READING, MA 01867-3020

Mortgage

Document Number	0000104606
Date	Aug 29, 2025
Instrument	104606

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jul 16, 2025
Property Address	486 FRANKLIN ST, READING, MA 01867-1223
Document Number	084367-580
Book / Page	84367 / 580
Instrument Date	Jun 14, 2025
Instrument	83129
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 FRANKLIN ST, READING, MA 01867-1223

May 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	May 30, 2024
Property Address	486 FRANKLIN ST, READING, MA 01867-1223
Document Number	082828-488
Book / Page	82828 / 488
Instrument Date	May 30, 2024
Instrument	56472
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	486 FRANKLIN ST, READING, MA 01867-1223

Mortgage

Document Number	0000056473
Date	May 30, 2024
Instrument	56473

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 23, 2022
Property Address	486 FRANKLIN ST, READING, MA 01867-1223
Document Number	080619-484
Book / Page	80619 / 484
Instrument Date	Aug 23, 2022
Instrument	129432
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	Joint Tenants
Address	486 FRANKLIN ST, READING, MA 01867-1223
Investor	Possibly a Property Investor

Mortgage

Document Number	0000129435
Date	Aug 23, 2022
Instrument	129435

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 486 Franklin St was $9,215, up 7.7% 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	$9,215.00 (+7.71%)	$840,800 (+11.94%) Land $550,500 Building $290,300	$770,466 (+24.37%)
2025	$8,555.00 (+0.22%)	$751,100 (+3.13%) Land $511,700 Building $239,400	$619,495 (+4.19%)
2024	$8,536.00 (+6.21%)	$728,300 (+14.08%) Land $496,200 Building $232,100	$594,605
2023	$8,037.00	$638,400 Land $432,200 Building $206,200

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

Flood

FEMA maps place 486 Franklin St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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

Wildfire risk around 486 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

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