Middlesex County and North Reading Town property record for 65 Elm St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,050 sqft · built 1960 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $396,000 (May 2017) |
| Tax Bill | $7,529 (2026) |
| Deeds & Mortgages | Apr 2025 Line of Credit May 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:78-P:075 |
| Primary APN | M:78-P:075 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,050 sqft Living Area |
| 1st Floor Area | 1,050 sqft |
| Basement Area | 1,050 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 | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,473 sqft (0.47 acres) |
| Garage Type | Attached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 65 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 | 75.0 |
| 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 | 65 ELM ST, NORTH READING, MA 01864-2912 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 8, 2025 | Deed of Trust, Mortgage · Line of Credit SAVINGS BANK TRUST |
| May 25, 2017 | Quit Claim Deed, Transfer · VA Mortgage SALEM FIVE MTG CO |
| Apr 21, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 25, 2017 · Amount on Record |
| Deed Sale | May 25, 2017 · Amount on Record |
| Deed Book / Page | 69334 / 359 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 65 ELM ST, NORTH READING, MA 01864-2912 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 083945-325 |
|---|---|
| Date | Apr 8, 2025 |
| Book Page | 83945/325 |
| Instrument | 36254 |
| Name | SAVINGS BANK TRUST |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | May 25, 2017 |
| Property Address | 65 ELM ST, NORTH READING, MA 01864-2912 |
| Document Number | 69334-359 |
| Book / Page | 69334 / 359 |
| Instrument | 77793 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $57.71 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 65 ELM ST, NORTH READING, MA 01864-2912 |
| Document Number | 693340361 |
|---|---|
| Date | May 25, 2017 |
| Instrument | 69334/0361 |
| Name | SALEM FIVE MTG CO |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 25, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Apr 21, 2017 |
| Property Address | 65 ELM ST, NORTH READING, MA 01864-2912 |
| Document Number | 69170-188 |
| Book / Page | 069170 / 000188 |
| Instrument Date | Apr 14, 2017 |
| Instrument | 58090 |
| Transaction Type | Transfer |
| Record Updated | May 9, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
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 | $7,529.00 (+2.38%) | $578,300 (+2.7%) Land $395,700 Building $182,600 | $639,016 |
| 2025 | $7,354.00 (+2.82%) | $563,100 (+4.01%) Land $380,500 Building $182,600 | |
| 2024 | $7,152.00 (+7.18%) | $541,400 (+13.5%) Land $358,800 Building $182,600 | |
| 2023 | $6,673.00 | $477,000 Land $329,500 Building $147,500 |
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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