Middlesex County and Reading Town property record for 49 Pratt St, Reading, MA 01867 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1980 |
| Square Footage | 1,690 sqft Living Area |
| Lot Size | 12,654 sqft (0.29 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $860,000 (2023) |
| Tax Bill | $9,940.00 (2025) |
Source: Middlesex County and Reading Town records · APN READ M:016.0-0000-0027.0
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 49 PRATT ST, READING, MA 01867-3433 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Mar 21, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Aug 08, 2023 | Quit Claim Arm's Length for NE States, Transfer · Stand Alone First Mortgage GUARANTEED RATE INC |
| Oct 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSS CNTRY MTG |
| Feb 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSS CNTRY MTG |
| Oct 24, 2018 | Quit Claim Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) FIRST CHOICE LN SVCS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 08, 2023 · Amount on Record |
| Deed Sale | Aug 08, 2023 · Amount on Record |
| Prior Sale | Oct 24, 2018 · Amount on Record |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 49 PRATT ST, READING, MA 01867-3433 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001909789 |
|---|---|
| Date | Mar 21, 2022 |
| Instrument | 1909789 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 01, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Aug 08, 2023 |
| Property Address | 49 PRATT ST, READING, MA 01867-3433 |
| Document Number | 0001942119 |
| Instrument Date | Aug 08, 2023 |
| Instrument | 1942119 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 49 PRATT ST, READING, MA 01867-3433 |
| Document Number | 0001942120 |
|---|---|
| Date | Aug 08, 2023 |
| Instrument | 1942120 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 49 PRATT ST, READING, MA 01867-3433 |
| Document Number | 0001858304 |
| Instrument Date | Oct 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 49 PRATT ST READING MA 018673433, READING, MA 01867-3433 |
| Document Number | 0001858304 |
|---|---|
| Date | Oct 27, 2020 |
| Instrument | 1858304 |
| Name | CROSS CNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 26, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 49 PRATT ST, READING, MA 01867-3433 |
| Document Number | 0001837368 |
| Instrument Date | Feb 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 49 PRATT ST READING MA 018673433, READING, MA 01867-3433 |
| Document Number | 0001837368 |
|---|---|
| Date | Feb 28, 2020 |
| Instrument | 1837368 |
| Name | CROSS CNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 27, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Oct 24, 2018 |
| Property Address | 49 PRATT ST, READING, MA 01867-3433 |
| Document Number | 0000000121 |
| Instrument Date | Oct 16, 2018 |
| Instrument | 121 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,530.80 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 49 PRATT ST READING MA 018673433, READING, MA 01867-3433 |
| Document Number | 122 |
|---|---|
| Date | Oct 24, 2018 |
| Instrument | 122 |
| Name | FIRST CHOICE LN SVCS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 23, 2048 |
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 | $9,940.00 (+7.51%) | $872,700 (+10.62%) Land $576,800 Building $295,900 | $935,655 (+5.34%) |
| 2024 | $9,246.00 (+0.53%) | $788,900 (+7.99%) Land $543,900 Building $245,000 | $888,250 |
| 2023 | $9,197.00 | $730,500 Land $503,600 Building $226,900 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | READ M:016.0-0000-0027.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,690 sqft Living Area |
| Gross Area | 3,532 sqft Gross Area |
| Basement Area | 840 sqft Basement |
| Unfinished Basement | 840 sqft Unfinished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1911 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Other Style |
| Exterior Material | Wood Siding Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gambrel Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 12,654 sqft (0.29 acres) |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Account Number | 400000000490 |
|---|---|
| Street Address | 49 PRATT ST |
| City | READING |
| State | MA |
| Zip | 01867-3433 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Jurisdiction | READING MA |
| Minor Civil Division | READING |
| Census Blockgroup | 1 |
| Census Block | 1020 |
| Census Tract | 334100 |
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