Middlesex County and Reading Town property record for 51 Oak St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,360 sqft · built 1921 |
| Lot Size | 0.215 acres (9,370 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $227,500 (Sep 1996) |
| Tax Bill | $8,714 (2025) |
| Deeds & Mortgages | Sep 2021 Refinance Sep 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32000000005A |
| Primary APN | 32000000005A |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,360 sqft Living Area |
| Gross Area | 2,168 sqft |
| Basement Area | 736 sqft |
| Unfinished Basement | 736 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1921 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 9,370 sqft (0.215 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 32000000005A |
|---|---|
| Street Address | 51 OAK ST |
| City | READING |
| State | MA |
| Zip | 01867-3706 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 5 |
| Census Block | 5001 |
| Census Tract | 334100 |
Source: Middlesex County and Reading Town assessment roll, as of April 14, 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 File |
|---|---|
| Mailing Address | 51 OAK ST, READING, MA 01867-3706 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 7, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance PRIME LENDING INC |
| Sep 27, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Jun 13, 2017 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 5, 1996 · Amount on Record |
| Deed Sale | Sep 5, 1996 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 51 OAK ST, READING, MA 01867-3706 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78635-100 |
|---|---|
| Date | Sep 7, 2021 |
| Book Page | 78635/100 |
| Instrument | 198650 |
| Name | PRIME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 51 OAK ST, READING, MA 01867-3706 |
| Document Number | 71719-245 |
| Instrument Date | Sep 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2018 |
| Name | Verified Name |
|---|---|
| Address | 51 OAK ST READING MA 018673706, READING, MA 01867-3706 |
| Document Number | 71719-245 |
|---|---|
| Date | Oct 9, 2018 |
| Book Page | 071719/000245 |
| Instrument | 154979 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 8, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 51 OAK ST, READING, MA 01867-3706 |
| Document Number | 69466-547 |
| Instrument Date | Jun 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 69466-547 |
|---|---|
| Date | Jun 21, 2017 |
| Book Page | 069466/000547 |
| Instrument | 93768 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 20, 2047 |
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,714.00 (+1.13%) | $765,100 (+4.07%) Land $479,600 Building $285,500 | $774,535 (+7.83%) |
| 2024 | $8,617.00 (+3.14%) | $735,200 (+10.79%) Land $460,700 Building $274,500 | $718,295 |
| 2023 | $8,355.00 | $663,600 Land $415,400 Building $248,200 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | READING WATER DEPARTMENT (MWRA) serves 26,262 people · EPA ID MA3246000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Nov 2023 |
| Lead | 8 ppb (2021–2023) action level 15 ppb |
| Water Quality | E. coli not recorded as resolved · Oct 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 424 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 USA Fixed Wireless | 100 / 20 |
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