Middlesex County and Reading Town property record for 490 West St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,754 sqft · built 1953 |
| Lot Size | 0.417 acres (18,186 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $387,000 (Sep 2004) |
| Tax Bill | $8,472 (2026) |
| Deeds & Mortgages | Apr 2021 Refinance Jul 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:019.0-0000-0049.0 |
| Primary APN | READ M:019.0-0000-0049.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,754 sqft Living Area |
| Gross Area | 2,835 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 622 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,186 sqft (0.417 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 960000000100 |
|---|---|
| Street Address | 490 WEST ST |
| City | READING |
| State | MA |
| Zip | 01867-2243 |
| 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 | 4002 |
| Census Tract | 334100 |
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 | 490 WEST ST, READING, MA 01867-2243 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PROVIDENT FUNDING ASSOCIATES LP |
| Jul 12, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2004 · Amount on Record |
| Deed Sale | Sep 30, 2004 · Amount on Record |
| Deed Document Number | 2004253399 |
| Deed Book / Page | 43816 / 388 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 490 WEST ST, READING, MA 01867-2243 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 077569-279 |
|---|---|
| Date | Apr 21, 2021 |
| Book Page | 77569/279 |
| Instrument | 89921 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 490 WEST ST, READING, MA 01867-2243 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0080417-24 |
|---|---|
| Date | Jul 12, 2022 |
| Book Page | 80417/24 |
| Instrument | 105714 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Aug 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
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 | $8,472.00 (+3.52%) | $773,000 (+7.59%) Land $495,200 Building $277,800 | $809,381 (+4.96%) |
| 2025 | $8,184.00 (+0.22%) | $718,500 (+3.11%) Land $460,300 Building $258,200 | $771,115 (+14.63%) |
| 2024 | $8,166.00 (+6.87%) | $696,800 (+14.81%) Land $446,400 Building $250,400 | $672,695 |
| 2023 | $7,641.00 | $606,900 Land $388,800 Building $218,100 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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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