Middlesex County and North Reading Town property record for 5 Willow St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,221 sqft · built 1910 |
| Lot Size | 0.471 acres (20,517 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $188,000 (Jul 2000) |
| Tax Bill | $8,940 (2026) |
| Deeds & Mortgages | Aug 2022 Line of Credit Nov 2021 Refinance + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | M:54-P:045 |
| Primary APN | M:54-P:045 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,221 sqft Living Area |
| Gross Area | 1,489 sqft |
| 1st Floor Area | 1,099 sqft |
| Basement Area | 629 sqft |
| Unfinished Basement | 629 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Stone |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 20,517 sqft (0.471 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 5 WILLOW ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RB |
| Legal Lot Number | 45.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 330102 |
5 Willow St is owned and occupied by two individuals who bought it in July 2000.
Source: Middlesex County and North Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5 WILLOW ST, NORTH READING, MA 01864-2522 |
| 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 |
|---|---|
| Aug 23, 2022 | Deed of Trust, Mortgage · Line of Credit STONEHAM MUNICIPAL EMPLOYEE FEDERAL CU |
| Nov 12, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance MOVEMENT MORTGAGE |
| Jul 16, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance MOVEMENT MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2000 · Amount on File |
| Deed Sale | Jul 28, 2000 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 5 WILLOW ST, NORTH READING, MA 01864-2522 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0001921659 |
|---|---|
| Date | Aug 23, 2022 |
| Instrument | 1921659 |
| Name | STONEHAM MUNICIPAL EMPLOYEE FEDERAL CU |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 5 WILLOW ST, NORTH READING, MA 01864-2522 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0001899238 |
|---|---|
| Date | Nov 12, 2021 |
| Instrument | 1899238 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 5 WILLOW ST, NORTH READING, MA 01864-2522 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0001847118 |
|---|---|
| Date | Jul 16, 2020 |
| Instrument | 1847118 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2035 |
The 2026 property tax bill for 5 Willow St was $8,940, up 4.4% 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 | $8,940.00 (+4.44%) | $686,600 (+4.76%) Land $423,300 Building $263,300 | $788,111 |
| 2025 | $8,560.00 (+5.21%) | $655,400 (+6.41%) Land $392,100 Building $263,300 | |
| 2024 | $8,136.00 (-0.33%) | $615,900 (+5.55%) Land $363,000 Building $252,900 | |
| 2023 | $8,163.00 | $583,500 Land $351,300 Building $232,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5 Willow St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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.
Wildfire risk around 5 Willow St 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 | Direct burnable vegetation |
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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