531 West St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 531 West St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,210 sqft · built 1954
Lot Size	0.372 acres (16,191 sqft)
Owner	Individual Name on Record
Last Sale	$157,500 (Mar 1990)
Tax Bill	$11,539 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:025.0-0000-0011.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:025.0-0000-0011.0`
Alternative APNs	`M:025.0=0000=0011.0` `970000000040` `970000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,210 sqft Living Area
Gross Area	4,230 sqft
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,191 sqft (0.372 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	970000000040
Street Address	531 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

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	531 WEST ST, READING, MA 01867-2244
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Deed of Trust, Mortgage · ARM GE EMPLOYEES CREDIT UNION
Feb 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage GE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 1990 · Amount on Record
Deed Sale	Mar 29, 1990 · Amount on Record
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	531 WEST ST, READING, MA 01867-2244
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00082152-1
Date	Oct 30, 2023
Book Page	82152/1
Instrument	123387

Lender

Name	GE EMPLOYEES CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Nov 1, 2028
Index	Other
Margin	3

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	531 WEST ST, READING, MA 01867-2244
Document Number	70642-302
Instrument Date	Feb 12, 2018
Transaction Type	Mortgage
Record Updated	Mar 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	70642-302
Date	Feb 20, 2018
Book Page	070642/000302
Instrument	23162

Lender

Name	GE EMPLOYEES CU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2048

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	$11,539.00 (+3.52%)	$1,052,800 (+7.57%) Land $513,600 Building $538,700	$958,509 (+8.08%)
2025	$11,147.00 (+0.22%)	$978,700 (+3.12%) Land $477,400 Building $501,300	$886,825 (-10.69%)
2024	$11,123.00 (+6.86%)	$949,100 (+14.79%) Land $463,000 Building $486,100	$992,940
2023	$10,409.00	$826,800 Land $403,300 Building $423,500

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 AE, within 500 ft
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

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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