55 Bay State Rd, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 55 Bay State Rd, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,226 sqft · built 1920
Lot Size	0.156 acres (6,782 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Jan 2020)
Tax Bill	$7,286 (2026)
Deeds & Mortgages	Dec 2020 Refinance Jan 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:023.0-0000-0069.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:023.0-0000-0069.0`
Alternative APNs	`M:023.0=0000=0069.0` `790000001830` `790000001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,226 sqft Living Area
Gross Area	1,804 sqft
Basement Area	542 sqft
Unfinished Basement	542 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1949
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,782 sqft (0.156 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	790000001830
Street Address	55 BAY STATE RD
City	READING
State	MA
Zip	01867-1908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	2
Census Block	2004
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 Individual Names on Record
Mailing Address	55 BAY STATE RD, READING, MA 01867-1908
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WASHINGTON TRUST MORTGAGE CO
Jan 16, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WASHINGTON TRUST MORTGAGE CO
Oct 15, 2018	Quit Claim Deed, Transfer RICHARD CURRO
May 2, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2020 · Amount on Record
Deed Sale	Jan 16, 2020 · Amount on Record
Prior Sale	Oct 15, 2018 · Amount on Record
Deed Document Number	20207343
Deed Book / Page	73999 / 60
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	55 BAY STATE RD, READING, MA 01867-1908
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76477-198
Date	Dec 21, 2020
Book Page	76477/198
Instrument	242967

Lender

Name	WASHINGTON TRUST MORTGAGE CO

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jan 16, 2020
Property Address	55 BAY STATE RD, READING, MA 01867-1908
Document Number	73999-60
Book / Page	73999 / 60
Instrument Date	Jan 16, 2020
Instrument	7343
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
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	Joint Tenants with Right of Survivorship
Address	55 BAY STATE RD, READING, MA 01867-1908

Mortgage

Document Number	7344
Date	Jan 16, 2020
Instrument	7344

Lender

Name	WASHINGTON TRUST MORTGAGE CO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Oct 15, 2018
Property Address	55 BAY STATE RD, READING, MA 01867-1908
Document Number	71744-597
Book / Page	71744 / 597
Instrument	158194
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$50.85
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	717450001
Date	Oct 15, 2018
Instrument	71745/0001

Lender

Name	RICHARD CURRO

Agreement

Amount	Amount Recorded

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	May 2, 2018
Property Address	55 BAY STATE RD, READING, MA 01867-1908
Document Number	70954-180
Book / Page	070954 / 000180
Instrument Date	Apr 6, 2018
Instrument	60867
Transaction Type	Transfer
Record Updated	May 23, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	55 BAY STATE RD READING MA 018671908, READING, MA 01867-1908

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	$7,286.00 (+1.52%)	$664,800 (+5.51%) Land $389,100 Building $269,600	$724,460 (+6.97%)
2025	$7,177.00 (+3%)	$630,100 (+5.99%) Land $368,600 Building $261,500	$677,255 (+3.01%)
2024	$6,968.00 (+0.48%)	$594,500 (+7.93%) Land $347,600 Building $246,900	$657,495
2023	$6,935.00	$550,800 Land $321,800 Building $229,000

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	2 in force
Nearby Flood Claims	1 (1981)
Most Recent Claim	Feb 1981 · tidal / storm surge

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 189 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

May also be available: Astound Broadband, T-Mobile.

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