Middlesex County and North Reading Town property record for 55 Central St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,512 sqft · built 1950 |
| Lot Size | 1.6 acres (69,696 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $625,000 (Mar 2021) |
| Tax Bill | $8,725 (2025) |
| Deeds & Mortgages | Aug 2025 Line of Credit Apr 2024 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:42-P:024 |
| Primary APN | M:42-P:024 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,512 sqft Living Area |
| 1st Floor Area | 936 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 669 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 69,696 sqft (1.6 acres) |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 55 CENTRAL ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-3201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 24.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 330102 |
Source: Middlesex County and North Reading Town records, as of April 14, 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 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 27, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Apr 22, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Mar 5, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage RESIDENTIAL MORTGAGE SERVICES |
| Sep 11, 2018 | Quit Claim Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 5, 2021 · Amount on Record |
| Deed Sale | Mar 5, 2021 · Amount on Record |
| Prior Sale | Sep 11, 2018 |
| Deed Document Number | 202149951 |
| Deed Book / Page | 77148 / 405 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 55 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 084540-588 |
|---|---|
| Date | Aug 27, 2025 |
| Book Page | 84540/588 |
| Instrument | 102932 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 55 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2024 |
| Name | Verified Name |
|---|
| Document Number | 082684-489 |
|---|---|
| Date | Apr 22, 2024 |
| Book Page | 82684/489 |
| Instrument | 39686 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 1, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Mar 5, 2021 |
| Property Address | 55 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Document Number | 77148-405 |
| Book / Page | 77148 / 405 |
| Instrument Date | Mar 5, 2021 |
| Instrument | 49951 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 55 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Document Number | 49952 |
|---|---|
| Date | Mar 5, 2021 |
| Instrument | 49952 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Sep 11, 2018 |
| Property Address | 55 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Document Number | 71602-147 |
| Book / Page | 071602 / 000147 |
| Instrument Date | Aug 30, 2018 |
| Instrument | 140194 |
| Transaction Type | Transfer |
| Record Updated | Oct 2, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 55 CENTRAL ST NORTH READING MA 018643201, NORTH READING, MA 01864-3201 |
Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $8,725.00 (+3.63%) | $668,100 (+4.83%) Land $414,500 Building $253,600 |
| 2024 | $8,419.00 (+4.4%) | $637,300 (+10.57%) Land $390,600 Building $246,700 |
| 2023 | $8,064.00 | $576,400 Land $359,300 Building $217,100 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000 |
|---|---|
| Water Source | Purchased surface water from ANDOVER WATER DEPT |
| Last State Inspection | Dec 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2020 |
|---|---|
| Treatment and Procedure | Coliform assessment Aug 2019 |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 100 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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