Middlesex County and North Reading Town property record for 59 Central St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,127 sqft · built 1955 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $386,000 (Apr 2013) |
| Tax Bill | $9,251 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage May 2021 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:42-P:021 |
| Primary APN | M:42-P:021 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,127 sqft Living Area |
| Gross Area | 1,015 sqft |
| 1st Floor Area | 1,047 sqft |
| Basement Area | 808 sqft |
| Unfinished Basement | 808 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,682 sqft (0.36 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 59 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 | 21.0 |
| 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 October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 59 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 28, 2021 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE INC |
| May 24, 2021 | Deed of Trust, Mortgage · Line of Credit AVIDIA BANK |
| Apr 26, 2022 | Deed of Trust, Mortgage · Line of Credit AVIDIA BANK |
| Oct 4, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA |
| Jul 28, 2025 | Deed of Trust, Mortgage · FHA Mortgage KATHERINE L PRALL |
| May 11, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 18, 2013 · Amount on Record |
| Deed Sale | Apr 18, 2013 · Amount on Record |
| Prior Sale | Apr 18, 2013 · Amount on Record |
| Deed Book / Page | 61632 / 528 |
| Last Transfer Date | May 7, 2021 |
| Transfer Doc | 77738-448 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 59 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0076818-88 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 76818/88 |
| Instrument | 20315 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 59 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 077845-503 |
|---|---|
| Date | May 24, 2021 |
| Book Page | 77845/503 |
| Instrument | 117404 |
| Name | AVIDIA BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2041 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 59 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 080027-570 |
|---|---|
| Date | Apr 26, 2022 |
| Book Page | 80027/570 |
| Instrument | 61648 |
| Name | AVIDIA BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 59 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0080791-83 |
|---|---|
| Date | Oct 4, 2022 |
| Book Page | 80791/83 |
| Instrument | 149640 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 59 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 084411-491 |
|---|---|
| Date | Jul 28, 2025 |
| Book Page | 84411/491 |
| Instrument | 88044 |
| Name | KATHERINE L PRALL |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | May 11, 2021 |
| Property Address | 59 CENTRAL ST, NORTH READING, MA 01864-3201 |
| Document Number | 77738-448 |
| Book / Page | 77738 / 448 |
| Instrument Date | May 7, 2021 |
| Instrument | 106510 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 59 CENTRAL ST, 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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,251.00 (+1.85%) | $710,500 (+2.16%) Land $386,500 Building $324,000 | $769,673 |
| 2025 | $9,083.00 (+1.93%) | $695,500 (+3.1%) Land $371,500 Building $324,000 | |
| 2024 | $8,911.00 (+1.57%) | $674,600 (+7.57%) Land $350,600 Building $324,000 | |
| 2023 | $8,773.00 | $627,100 Land $321,700 Building $305,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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