Middlesex County and North Reading Town property record for 5 Judith Dr, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,773 sqft · built 1976 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $707,500 (Apr 2021) |
| Tax Bill | $10,675 (2026) |
| Deeds & Mortgages | Oct 2023 Line of Credit Apr 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:85-P:040 |
| Primary APN | M:85-P:040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,773 sqft Living Area |
| 1st Floor Area | 1,773 sqft |
| Basement Area | 1,125 sqft |
| Unfinished Basement | 300 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 24,829 sqft (0.57 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 5 JUDITH DR |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2925 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 40.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 330101 |
5 Judith Dr is owned and occupied by two individuals who bought it in April 2021.
Source: Middlesex County and North Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5 JUDITH DR, NORTH READING, MA 01864-2925 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 3, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Apr 21, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage DRAPER AND KRAMER MORTGAGE CORP. |
| Oct 17, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Jan 6, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 2021 · Amount on File |
| Deed Sale | Apr 21, 2021 · Amount on File |
| Prior Sale | May 14, 2012 · Amount on File |
| Deed Book / Page | 77559 / 360 |
| Prior Transfer Date | Apr 20, 2021 |
| Prior Transfer Doc | 77559-360 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 5 JUDITH DR, NORTH READING, MA 01864-2925 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0082059-10 |
|---|---|
| Date | Oct 3, 2023 |
| Book Page | 82059/10 |
| Instrument | 111464 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Nov 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Apr 21, 2021 |
| Property Address | 5 JUDITH DR, NORTH READING, MA 01864-2925 |
| Document Number | 77559-360 |
| Book / Page | 77559 / 360 |
| Instrument Date | Apr 20, 2021 |
| Instrument | 88970 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Amount | Amount on Record |
|---|---|
| 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 JUDITH DR, NORTH READING, MA 01864-2925 |
| Document Number | 88971 |
|---|---|
| Date | Apr 21, 2021 |
| Instrument | 88971 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 5 JUDITH DR, NORTH READING, MA 01864-2925 |
| Document Number | 70136-447 |
| Book / Page | 070136 / 000447 |
| Instrument Date | Oct 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 70136-447 |
|---|---|
| Date | Oct 26, 2017 |
| Book Page | 070136/000447 |
| Instrument | 3891 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 25, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 5 JUDITH DR, NORTH READING, MA 01864-2925 |
| Document Number | 68762-225 |
| Book / Page | 068762 / 000225 |
| Instrument Date | Jan 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 68762-225 |
|---|---|
| Date | Jan 17, 2017 |
| Book Page | 068762/000225 |
| Instrument | 7991 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 16, 2047 |
The 2026 property tax bill for 5 Judith Dr was $10,675, up 3.7% from the year before.
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 | $10,675.00 (+3.7%) | $819,900 (+4.02%) Land $428,700 Building $391,200 | $841,012 |
| 2025 | $10,294.00 (+7.76%) | $788,200 (+8.99%) Land $397,000 Building $391,200 | |
| 2024 | $9,553.00 (-2.13%) | $723,200 (+3.65%) Land $367,600 Building $355,600 | |
| 2023 | $9,761.00 | $697,700 Land $355,700 Building $342,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5 Judith Dr in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 5 Judith Dr is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 90 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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