527 West St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 527 West St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,998 sqft · built 1952
Lot Size	0.338 acres (14,736 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Mar 2018)
Tax Bill	$8,927 (2026)
Deeds & Mortgages	Oct 2021 Refinance Feb 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:025.0-0000-0037.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:025.0-0000-0037.0`
Alternative APNs	`M:025.0=0000=0037.0` `970000000330` `970000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,998 sqft Living Area
Gross Area	3,038 sqft
Basement Area	1,019 sqft
Unfinished Basement	540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1960
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,736 sqft (0.338 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	970000000330
Street Address	527 WEST ST
City	READING
State	MA
Zip	01867-2244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	4
Census Block	4008
Census Tract	334200

Owner

527 West St is owned and occupied by two individuals who bought it in March 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	527 WEST ST, READING, MA 01867-2244
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Feb 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LEADER BANK NA
Mar 30, 2018	Quit Claim Deed, Transfer SAVINGS BANK TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2018 · Amount on File
Deed Sale	Mar 30, 2018 · Amount on File
Prior Sale	Apr 20, 2007 · Amount on File
Deed Book / Page	70802 / 165
Transfer Doc	070802-165
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	527 WEST ST, READING, MA 01867-2244
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078857-232
Date	Oct 6, 2021
Book Page	78857/232
Instrument	220542

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2046

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	527 WEST ST, READING, MA 01867-2244
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74154-354
Date	Feb 20, 2020
Book Page	74154/354
Instrument	24866

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Mar 30, 2018
Property Address	527 WEST ST, READING, MA 01867-2244
Document Number	70802-165
Book / Page	70802 / 165
Instrument	42597
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$64.77
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	527 WEST ST, READING, MA 01867-2244

Mortgage

Document Number	708020169
Date	Mar 30, 2018
Instrument	70802/0169

Lender

Name	SAVINGS BANK TRUST
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 30, 2048

Interest

Rate	2.75%
Max Rate At Change	33%
Max Rate	12.5%

Tax Assessment & Valuation

The 2026 property tax bill for 527 West St was $8,927, up 3.5% from the year before.

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	$8,927.00 (+3.49%)	$814,500 (+7.55%) Land $508,000 Building $305,500	$894,721 (+8.17%)
2025	$8,626.00 (+0.22%)	$757,300 (+3.12%) Land $472,300 Building $285,000	$827,165 (+7.43%)
2024	$8,607.00 (+6.85%)	$734,400 (+14.79%) Land $458,000 Building $276,400	$769,975
2023	$8,055.00	$639,800 Land $398,900 Building $240,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 527 West St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2001.

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	1 in force
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2001 · Severe Storms 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

Wildfire risk around 527 West 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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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