Middlesex County and North Reading Town property record for 63 Elm St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,530 sqft · built 1960 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $385,000 (Mar 2010) |
| Tax Bill | $8,772 (2026) |
| Deeds & Mortgages | Sep 2021 Refinance Apr 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:78-P:074 |
| Primary APN | M:78-P:074 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,530 sqft Living Area |
| 1st Floor Area | 1,530 sqft |
| Basement Area | 1,530 sqft |
| Unfinished Basement | 1,050 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,473 sqft (0.47 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Street Address | 63 ELM ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2912 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 74.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 330101 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 63 ELM ST, NORTH READING, MA 01864-2912 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance DRAPER AND KRAMER MORTGAGE CORP. |
| Apr 11, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2010 · Amount on Record |
| Deed Sale | Mar 25, 2010 · Amount on Record |
| Prior Sale | Sep 9, 2003 · Amount on Record |
| Deed Document Number | 201047648 |
| Deed Book / Page | 54449 / 362 |
| Transfer Doc | 0000000620 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 63 ELM ST, NORTH READING, MA 01864-2912 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 078741-574 |
|---|---|
| Date | Sep 21, 2021 |
| Book Page | 78741/574 |
| Instrument | 209098 |
| Name | DRAPER AND KRAMER MORTGAGE CORP. |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 63 ELM ST, NORTH READING, MA 01864-2912 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0079956-52 |
|---|---|
| Date | Apr 11, 2022 |
| Book Page | 79956/52 |
| Instrument | 53740 |
| Name | FIGURE LENDING LCC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 1, 2032 |
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 | $8,772.00 (+2%) | $673,700 (+2.31%) Land $395,700 Building $278,000 | $764,625 |
| 2025 | $8,600.00 (+2.23%) | $658,500 (+3.41%) Land $380,500 Building $278,000 | |
| 2024 | $8,412.00 (+8.51%) | $636,800 (+14.93%) Land $358,800 Building $278,000 | |
| 2023 | $7,752.00 | $554,100 Land $329,500 Building $224,600 |
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 | 2 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 149 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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