566 Franklin St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 566 Franklin St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,519 sqft · built 1958
Lot Size	0.23 acres (10,014 sqft)
Owner	2 Individual Names on File
Last Sale	$389,900 (Jun 2005)
Tax Bill	$11,368 (2026)
Deeds & Mortgages	Aug 2021 Line of Credit Sep 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:038.0-0000-0028.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:038.0-0000-0028.0`
Alternative APNs	`M:038.0=0000=0028.0` `1340000000930` `1340000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,519 sqft Living Area
Gross Area	4,780 sqft
Basement Area	984 sqft
Unfinished Basement	984 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1965
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,014 sqft (0.23 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1340000000930
Street Address	566 FRANKLIN ST
City	READING
State	MA
Zip	01867-1228
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	4011
Census Tract	334300

Owner

566 Franklin St is owned and occupied by two individuals who bought it in June 2005.

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

Owner of Record	2 Individual Names on File
Mailing Address	566 FRANKLIN ST, READING, MA 01867-1228
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 6, 2021	Deed of Trust, Mortgage · Line of Credit METRO CU
Sep 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FALL RIVER FIVE CENTS SAVINGS BANK
Sep 22, 2017	Deed of Trust, Mortgage · Line of Credit METRO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2005 · Amount on File
Deed Sale	Jun 1, 2005 · Amount on File
Deed Document Number	2005111545
Deed Book / Page	45300 / 357
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	566 FRANKLIN ST, READING, MA 01867-1228
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78419-163
Date	Aug 6, 2021
Book Page	78419/163
Instrument	176923

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	566 FRANKLIN ST, READING, MA 01867-1228
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75665-240
Date	Sep 21, 2020
Book Page	75665/240
Instrument	166300

Lender

Name	FALL RIVER FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2045

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	566 FRANKLIN ST, READING, MA 01867-1228
Document Number	69989-360
Book / Page	069989 / 000360
Instrument Date	Sep 22, 2017
Transaction Type	Mortgage
Record Updated	Oct 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69989-360
Date	Sep 27, 2017
Book Page	069989/000360
Instrument	156166

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 26, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 566 Franklin St was $11,368, 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	$11,368.00 (+3.51%)	$1,037,200 (+7.57%) Land $489,900 Building $546,400	$1,088,550 (+14.49%)
2025	$10,982.00 (+0.22%)	$964,200 (+3.12%) Land $455,400 Building $508,800	$950,760 (+5.26%)
2024	$10,958.00 (+6.84%)	$935,000 (+14.78%) Land $441,600 Building $493,400	$903,260
2023	$10,256.00	$814,600 Land $384,700 Building $429,900

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

Flood

FEMA maps place 566 Franklin St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
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 566 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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