Middlesex County and North Reading Town property record for 5 Locust St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,006 sqft · built 1994 |
| Lot Size | 2.79 acres (121,532 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $970,000 (Jul 2024) |
| Tax Bill | $12,497 (2026) |
| Deeds & Mortgages | Apr 2021 Refinance Jul 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:05-P:104 |
| Primary APN | M:05-P:104 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,006 sqft Living Area |
| Gross Area | 1,518 sqft |
| 1st Floor Area | 1,292 sqft |
| Basement Area | 1,292 sqft |
| Unfinished Basement | 392 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 121,532 sqft (2.79 acres) |
| Garage Type | Attached |
| Total Buildings | 2 Buildings |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 5 LOCUST ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 104.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 330202 |
5 Locust St is owned and occupied by two individuals who bought it in July 2024.
Source: Middlesex County and North Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5 LOCUST ST, NORTH READING, MA 01864-2045 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Apr 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP |
| Jul 3, 2024 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Nov 28, 2016 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2024 · Amount on File |
| Deed Sale | Jul 3, 2024 · Amount on File |
| Prior Sale | Jul 3, 2024 · Amount on File |
| Prior Transfer Date | Jun 24, 2024 |
| Prior Transfer Doc | 082969-322 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 5 LOCUST ST, NORTH READING, MA 01864-2045 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 077578-176 |
|---|---|
| Date | Apr 22, 2021 |
| Book Page | 77578/176 |
| Instrument | 90697 |
| Name | AMERISAVE MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Jul 3, 2024 |
| Property Address | 5 LOCUST ST, NORTH READING, MA 01864-2045 |
| Document Number | 0001959781 |
| Instrument Date | Jul 2, 2024 |
| Instrument | 1959781 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2024 |
| 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 LOCUST ST, NORTH READING, MA 01864-2045 |
| Document Number | 0000072703 |
|---|---|
| Date | Jul 3, 2024 |
| Instrument | 72703 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 5 LOCUST ST, NORTH READING, MA 01864-2045 |
| Document Number | 68961-32 |
| Book / Page | 068961 / 000032 |
| Instrument Date | Nov 28, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2017 |
| Name | Verified Name |
|---|
| Document Number | 68961-32 |
|---|---|
| Date | Mar 2, 2017 |
| Book Page | 068961/000032 |
| Instrument | 32418 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 5 Locust St was $12,497, down 4.3% 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 | $12,497.00 (-4.28%) | $959,800 (-3.99%) Land $447,700 Building $512,100 | $1,029,108 |
| 2025 | $13,056.00 (+3.15%) | $999,700 (+4.34%) Land $430,400 Building $569,300 | |
| 2024 | $12,657.00 (+5.55%) | $958,100 (+11.77%) Land $405,200 Building $552,900 | |
| 2023 | $11,992.00 | $857,200 Land $373,800 Building $483,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5 Locust St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 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 Locust St is low, with less than 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 94% of the US · lower than 88% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 144 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 |
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