544 Franklin St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 544 Franklin St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,662 sqft · built 2002
Lot Size	0.508 acres (22,133 sqft)
Owner	2 Individual Names on File
Last Sale	$960,000 (Oct 2020)
Tax Bill	$14,968 (2026)
Deeds & Mortgages	Nov 2019 Line of Credit Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:038.0-0000-0016.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:038.0-0000-0016.0`
Alternative APNs	`M:038.0=0000=0016.0` `1340000000160` `1340000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,662 sqft Living Area
Gross Area	4,656 sqft
Basement Area	1,568 sqft
Unfinished Basement	1,568 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,133 sqft (0.508 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1340000000160
Street Address	544 FRANKLIN ST
City	READING
State	MA
Zip	01867-1226
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	4003
Census Tract	334300

Owner

544 Franklin St is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	544 FRANKLIN ST, READING, MA 01867-1226
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Nov 1, 2019	Deed of Trust, Mortgage · Line of Credit READING COOPERATIVE BANK
Oct 29, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2020 · Amount on File
Deed Sale	Oct 29, 2020 · Amount on File
Prior Sale	Nov 9, 2001 · Amount on File
Deed Document Number	2020199978
Deed Book / Page	76026 / 331
Prior Transfer Date	Oct 23, 2020
Prior Transfer Doc	76026-331
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	544 FRANKLIN ST, READING, MA 01867-1226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	73577-65
Date	Nov 1, 2019
Book Page	73577/65
Instrument	170481

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2044

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Oct 29, 2020
Property Address	544 FRANKLIN ST, READING, MA 01867-1226
Document Number	76026-331
Book / Page	76026 / 331
Instrument Date	Oct 23, 2020
Instrument	199978
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	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	544 FRANKLIN ST, READING, MA 01867-1226

Mortgage

Document Number	199979
Date	Oct 29, 2020
Instrument	199979

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 544 Franklin St was $14,968, 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	$14,968.00 (+3.51%)	$1,365,700 (+7.57%) Land $536,400 Building $828,400	$1,473,329 (+26.89%)
2025	$14,461.00 (+0.23%)	$1,269,600 (+3.13%) Land $498,600 Building $771,000	$1,161,090 (+5.72%)
2024	$14,428.00 (+6.84%)	$1,231,100 (+14.78%) Land $483,500 Building $747,600	$1,098,295
2023	$13,504.00	$1,072,600 Land $421,200 Building $651,400

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

Flood

FEMA maps place 544 Franklin St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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	5 in force
Nearby Flood Claims	3 (1978–2004)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Apr 2004 · 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

The area around 544 Franklin St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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