5 Baldwin Ln, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 5 Baldwin Ln, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,208 sqft · built 1995
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on Record
Last Sale	$730,000 (May 2018)
Tax Bill	$12,925 (2026)
Deeds & Mortgages	Jul 2025 Line of Credit Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:35-P:098`

Property Details

APN / Parcel Number

Primary APN	`M:35-P:098`
Alternative APN	`NREA M:035.0 B:0000 L:0098.0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,208 sqft Living Area
Gross Area	1,258 sqft
1st Floor Area	1,266 sqft
Basement Area	950 sqft
Unfinished Basement	398 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,075 sqft (0.92 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	5 BALDWIN LN
City	NORTH READING
State	MA
Zip	01864-2277
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	98.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1010
Census Tract	330201

Owner

Source: Middlesex County and North 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	5 BALDWIN LN, NORTH READING, MA 01864-2277
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2025	Deed of Trust, Mortgage · Line of Credit NORTHERN BANK & TRUST CO
Feb 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHERN BANK & TRUST CO
May 14, 2018	Quit Claim Deed, Transfer NORTHERN BK & TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2018 · Amount on Record
Deed Sale	May 14, 2018 · Amount on Record
Prior Sale	Nov 30, 1995 · Amount on Record
Deed Book / Page	71001 / 11
Transfer Doc	0071001-11
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	5 BALDWIN LN, NORTH READING, MA 01864-2277
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	084346-425
Date	Jul 11, 2025
Book Page	84346/425
Instrument	80781

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	5 BALDWIN LN, NORTH READING, MA 01864-2277
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077020-246
Date	Feb 22, 2021
Book Page	77020/246
Instrument	38886

Lender

Name	NORTHERN BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	May 14, 2018
Property Address	5 BALDWIN LN, NORTH READING, MA 01864-2277
Document Number	71001-11
Book / Page	71001 / 11
Instrument	66757
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$106.88
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 BALDWIN LN, NORTH READING, MA 01864-2277

Mortgage

Document Number	710010014
Date	May 14, 2018
Instrument	71001/0014

Lender

Name	NORTHERN BK & TR

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 14, 2048

Tax Assessment & Valuation

Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	North Reading Town
Unified School District	North Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,925.00 (+0.8%)	$992,700 (+1.11%) Land $502,700 Building $490,000	$1,066,284
2025	$12,822.00 (+4.13%)	$981,800 (+5.32%) Land $502,700 Building $479,100
2024	$12,314.00 (+1.71%)	$932,200 (+7.72%) Land $453,100 Building $479,100
2023	$12,107.00	$865,400 Land $444,500 Building $420,900

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	8 in force

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 97% of the US · lower than 94% 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	NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000
Water Source	Purchased surface water from ANDOVER WATER DEPT
Last State Inspection	Dec 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2020
Treatment and Procedure	Coliform assessment Aug 2019
Monitoring and Reporting	1 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 136 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

May also be available: T-Mobile.

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