Middlesex County and North Reading Town property record for 5 Bow St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,466 sqft · built 1900 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $650,000 (Aug 2025) |
| Tax Bill | $7,554 (2026) |
| Deeds & Mortgages | Jun 2025 Line of Credit Aug 2025 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | M:54-P:074 |
| Primary APN | M:54-P:074 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,466 sqft Living Area |
| Gross Area | 866 sqft |
| 1st Floor Area | 866 sqft |
| Basement Area | 866 sqft |
| Unfinished Basement | 866 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,860 sqft (0.41 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 5 BOW ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LB |
| Legal Lot Number | 74.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 330102 |
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 BOW ST, NORTH READING, MA 01864-2501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 11, 2025 | Deed of Trust, Mortgage · Line of Credit READING COOPERATIVE BANK |
| Aug 15, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage COLONIAL FEDERAL SAVINGS BANK-QUINC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 15, 2025 · Amount on Record |
| Deed Sale | Aug 15, 2025 · Amount on Record |
| Deed Book / Page | 84495 / 209 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 5 BOW ST, NORTH READING, MA 01864-2501 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 084212-554 |
|---|---|
| Date | Jun 11, 2025 |
| Book Page | 84212/554 |
| Instrument | 65724 |
| Name | READING COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Aug 15, 2025 |
| Property Address | 5 BOW ST, NORTH READING, MA 01864-2501 |
| Document Number | 084495-209 |
| Book / Page | 84495 / 209 |
| Instrument Date | Aug 15, 2025 |
| Instrument | 97805 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5 BOW ST, NORTH READING, MA 01864-2501 |
| Document Number | 0000097806 |
|---|---|
| Date | Aug 15, 2025 |
| Instrument | 97806 |
| Name | COLONIAL FEDERAL SAVINGS BANK-QUINC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2055 |
Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,554.00 (+5.22%) | $580,200 (+5.55%) Land $417,400 Building $162,800 | $675,148 |
| 2025 | $7,179.00 (+5.71%) | $549,700 (+6.92%) Land $386,900 Building $162,800 | |
| 2024 | $6,791.00 (-0.76%) | $514,100 (+5.11%) Land $358,000 Building $156,100 | |
| 2023 | $6,843.00 | $489,100 Land $346,400 Building $142,700 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 7 (2001–2010) |
| Claims Outside the SFHA | 3 of 7 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 167 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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