538 Summer Ave, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 538 Summer Ave, Reading, MA 01867

Property Summary

Property Type	Duplex
Details	5 bd · 2.5 ba · 2,231 sqft · built 1957
Lot Size	1.54 acres (67,082 sqft)
Owner	2 Company Names on Record
Last Sale	$170,000 (Oct 1986)
Tax Bill	$9,061 (2026)
Deeds & Mortgages	Aug 2021 Transfer Apr 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:008.0-0000-0114.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:008.0-0000-0114.0`
Alternative APNs	`M:008.0=0000=0114.0` `200000000180` `200000000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,231 sqft Living Area
Gross Area	4,076 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	67,082 sqft (1.54 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	200000000180
Street Address	538 SUMMER AVE
City	READING
State	MA
Zip	01867-4032
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
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	2 Company Names on Record
Mailing Address	538 SUMMER AVE, READING, MA 01867-4032
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2021	Quit Claim Deed, Transfer Quitclaim
Apr 18, 2017	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Feb 12, 2020	Deed of Trust, Mortgage · Balloon Mortgage TD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 1986 · Amount on Record
Deed Sale	Oct 3, 1986 · Amount on Record
Last Transfer Date	Aug 3, 2021
Transfer Doc	78413-275
Record Updated	Oct 29, 2026

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 5, 2021
Property Address	538 SUMMER AVE, READING, MA 01867-4032
Document Number	78413-275
Book / Page	78413 / 275
Instrument Date	Aug 3, 2021
Instrument	176234
Transaction Type	Transfer
Record Updated	Aug 20, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 NEWINGTON RD, NEWINGTON, NH 03801-2730

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	538 SUMMER AVE, READING, MA 01867-4032
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69148-170
Date	Apr 18, 2017
Book Page	69148/170
Instrument	55429

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	538 SUMMER AVE, READING, MA 01867-4032
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74123-225
Date	Feb 12, 2020
Book Page	74123/225
Instrument	21512

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Mar 1, 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	$9,061.00 (-2.25%)	$826,700 (+1.57%) Land $483,900 Building $338,900	$749,470
2025	$9,270.00 (+1.13%)	$813,900 (+4.07%) Land $476,400 Building $337,500
2024	$9,166.00 (+3.17%)	$782,100 (+10.84%) Land $457,700 Building $324,400
2023	$8,884.00	$705,600 Land $412,700 Building $292,900

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 100 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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