Middlesex County and Reading Town property record for 637 Summer Ave, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,342 sqft · built 1959 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | Individual Name on File |
| Last Sale | $64,000 (Aug 2008) |
| Tax Bill | $6,786 (2026) |
| Deeds & Mortgages | Oct 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:008.0-0000-0096.0 |
| Primary APN | READ M:008.0-0000-0096.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,342 sqft Living Area |
| Gross Area | 2,312 sqft |
| Basement Area | 988 sqft |
| Unfinished Basement | 850 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,001 sqft (0.23 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 140000000100 |
|---|---|
| Street Address | 637 SUMMER AVE |
| City | READING |
| State | MA |
| Zip | 01867-4028 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 334400 |
637 Summer Ave is owned and occupied by an individual who bought it in August 2008.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 637 SUMMER AVE, READING, MA 01867-4028 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 29, 2008 · Amount on File |
| Deed Sale | Aug 29, 2008 · Amount on File |
| Deed Document Number | 2008144593 |
| Deed Book / Page | 51637 / 531 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 637 SUMMER AVE, READING, MA 01867-4028 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 73505-501 |
|---|---|
| Date | Oct 23, 2019 |
| Book Page | 73505/501 |
| Instrument | 163409 |
| Name | FIGURE LENDING LCC |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Nov 1, 2024 |
The 2026 property tax bill for 637 Summer Ave was $6,786, down 2.3% from the year before.
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,786.00 (-2.28%) | $619,200 (+1.56%) Land $401,600 Building $216,500 | $660,982 (-7.35%) |
| 2025 | $6,944.00 (+1.17%) | $609,700 (+4.1%) Land $395,400 Building $214,300 | $713,450 (+10.83%) |
| 2024 | $6,864.00 (+3.22%) | $585,700 (+10.89%) Land $379,800 Building $205,900 | $643,720 |
| 2023 | $6,650.00 | $528,200 Land $342,500 Building $185,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 637 Summer Ave 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 | 3 in force |
| Nearby Flood Claims | 2 (1982–1996) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Oct 1996 · Extreme Weather Conditons And 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.
The area around 637 Summer Ave 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 245 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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