5 Lloyd Rd, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 5 Lloyd Rd, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,384 sqft · built 1968
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (May 2017)
Tax Bill	$9,557 (2026)
Deeds & Mortgages	Mar 2021 Refinance Jan 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:33-P:106`

Property Details

APN / Parcel Number

Primary APN	`M:33-P:106`
Alternative APN	`NREA M:033.0 B:0000 L:0106.0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,384 sqft Living Area
1st Floor Area	1,384 sqft
Basement Area	1,144 sqft
Unfinished Basement	888 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	5 LLOYD RD
City	NORTH READING
State	MA
Zip	01864-1801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	106.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	2
Census Block	2000
Census Tract	330102

Owner

Source: Middlesex County and North Reading Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5 LLOYD RD, NORTH READING, MA 01864-1801
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Jan 12, 2021	Deed of Trust, Mortgage · Line of Credit RTN FEDERAL CREDIT UNION
Nov 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage CROSS CNTRY MTG
May 31, 2017	Quit Claim Deed, Transfer · Conventional with PMI CROSS CNTRY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2017 · Amount on Record
Deed Sale	May 31, 2017 · Amount on Record
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	5 LLOYD RD, NORTH READING, MA 01864-1801
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001871379
Date	Mar 1, 2021
Instrument	1871379

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	5 LLOYD RD, NORTH READING, MA 01864-1801
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001866751
Date	Jan 12, 2021
Instrument	1866751

Lender

Name	RTN FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	229 Months
Due	Feb 1, 2040

Interest

Rate Type	Adjustable Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	5 LLOYD RD, NORTH READING, MA 01864-1801
Document Number	0000030830
Instrument Date	Nov 26, 2019
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 LLOYD RD NORTH READING MA 018641801, NORTH READING, MA 01864-1801

Mortgage

Document Number	0000030830
Date	Dec 9, 2019
Instrument	30830

Lender

Name	CROSS CNTRY MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2049

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	May 31, 2017
Property Address	5 LLOYD RD, NORTH READING, MA 01864-1801
Document Number	0001761470
Instrument Date	May 31, 2017
Instrument	1761470
Transaction Type	Transfer
Record Updated	Aug 21, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,120.40
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5 LLOYD RD NORTH READING MA 018641801, NORTH READING, MA 01864-1801

Mortgage

Document Number	1761471
Date	May 31, 2017
Instrument	1761471

Lender

Name	CROSS CNTRY MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2047

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	$9,557.00 (+4.12%)	$734,000 (+4.44%) Land $422,700 Building $311,300	$733,840
2025	$9,179.00 (+7.65%)	$702,800 (+8.88%) Land $391,500 Building $311,300
2024	$8,527.00 (-1.74%)	$645,500 (+4.06%) Land $362,500 Building $283,000
2023	$8,678.00	$620,300 Land $350,800 Building $269,500

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 121 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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