512 Summer Ave, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 512 Summer Ave, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,524 sqft · built 1940
Lot Size	0.356 acres (15,499 sqft)
Owner	Individual Name on Record
Last Sale	$462,300 (Mar 2019)
Tax Bill	$6,758 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Jun 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:008.0-0000-0119.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:008.0-0000-0119.0`
Alternative APNs	`M:008.0=0000=0119.0` `200000000220` `200000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,524 sqft Living Area
Gross Area	2,647 sqft
Basement Area	914 sqft
Unfinished Basement	640 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1961
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,499 sqft (0.356 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	200000000220
Street Address	512 SUMMER AVE
City	READING
State	MA
Zip	01867-4032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	3
Census Block	3005
Census Tract	334400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	512 SUMMER AVE, READING, MA 01867-4032
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2022	Deed of Trust, Mortgage · Line of Credit HANSCOM FCU
Jun 18, 2018	Deed of Trust, Mortgage · Closed-End Mortgage READING COOPERATIVE BANK
Dec 9, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC
Oct 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CROSSCOUNTRY MORTGAGE INC
Mar 22, 2019	Quit Claim Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2019 · Amount on Record
Deed Sale	Mar 22, 2019 · Amount on Record
Prior Sale	Jul 23, 1999 · Amount on Record
Deed Document Number	201935433
Deed Book / Page	72365 / 163
Prior Transfer Date	Mar 16, 2019
Prior Transfer Doc	72365-163
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	512 SUMMER AVE, READING, MA 01867-4032
Transaction Type	Mortgage
Record Updated	May 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0080042-90
Date	Apr 28, 2022
Book Page	80042/90
Instrument	63213

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	512 SUMMER AVE, READING, MA 01867-4032
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	71173-410
Date	Jun 18, 2018
Book Page	71173/410
Instrument	87645

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2038

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	512 SUMMER AVE, READING, MA 01867-4032
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73790-56
Date	Dec 9, 2019
Book Page	73790/56
Instrument	194064

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	512 SUMMER AVE, READING, MA 01867-4032
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75938-78
Date	Oct 20, 2020
Book Page	75938/78
Instrument	191655

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Mar 22, 2019
Property Address	512 SUMMER AVE, READING, MA 01867-4032
Document Number	72365-163
Book / Page	072365 / 000163
Instrument Date	Mar 16, 2019
Instrument	35433
Transaction Type	Transfer
Record Updated	Apr 9, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,108.09
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 SUMMER AVE READING MA 018674032, READING, MA 01867-4032

Mortgage

Document Number	72365-166
Date	Mar 22, 2019
Book Page	072365/000166
Instrument	35434

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 21, 2049

Tax Assessment & Valuation

Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Reading Town
Unified School District	Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,758.00 (-2.26%)	$616,600 (+1.58%) Land $396,900 Building $219,700	$698,647 (+1.1%)
2025	$6,914.00 (+1.17%)	$607,000 (+4.1%) Land $390,700 Building $216,300	$691,030 (+6.08%)
2024	$6,834.00 (+3.25%)	$583,100 (+10.92%) Land $375,300 Building $207,800	$651,415
2023	$6,619.00	$525,700 Land $338,400 Building $187,300

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1982–1996)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 1996 · Extreme Weather Conditons And Flooding

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 97% of the US · lower than 94% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 243 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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