Middlesex County and North Reading Town property record for 7 Locust St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,830 sqft · built 2020 |
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $370,000 (Mar 2020) |
| Tax Bill | $18,970 (2026) |
| Deeds & Mortgages | Jul 2023 Refinance Mar 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:05-P:080 |
| Primary APN | M:05-P:080 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,830 sqft Living Area |
| Gross Area | 3,111 sqft |
| 1st Floor Area | 988 sqft |
| Basement Area | 572 sqft |
| Unfinished Basement | 572 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,075 sqft (0.92 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 7 LOCUST ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2045 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 80.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 330202 |
7 Locust St is owned and occupied by two individuals who bought it in March 2020.
Source: Middlesex County and North Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7 LOCUST ST, NORTH READING, MA 01864-2045 |
| 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.
| Date | Document |
|---|---|
| Jul 25, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance EAGLE BANK |
| Mar 25, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage EAGLE BANK |
| Dec 6, 2019 | Quit Claim Deed, Transfer · Commercial Mortgage LOWELL FIVE CENTS SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2020 · Amount on File |
| Deed Sale | Mar 25, 2020 · Amount on File |
| Prior Sale | Dec 6, 2019 · Amount on File |
| Deed Document Number | 202044382 |
| Deed Book / Page | 74349 / 26 |
| Prior Transfer Date | Mar 24, 2020 |
| Prior Transfer Doc | 1840080 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 7 LOCUST ST, NORTH READING, MA 01864-2045 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 081808-590 |
|---|---|
| Date | Jul 25, 2023 |
| Book Page | 81808/590 |
| Instrument | 81918 |
| Name | EAGLE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Mar 25, 2020 |
| Property Address | 7 LOCUST ST, NORTH READING, MA 01864-2045 |
| Document Number | 74349-26 |
| Book / Page | 74349 / 26 |
| Instrument Date | Mar 20, 2020 |
| Instrument | 44382 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 COREY ST, MEDFORD, MA 02155-4407 |
| Investor | Possibly a Property Investor |
| Document Number | 1838894 |
|---|---|
| Date | Mar 25, 2020 |
| Instrument | 1838894 |
| Name | EAGLE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Apr 1, 2025 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Dec 6, 2019 |
| Property Address | 7 LOCUST ST, NORTH READING, MA 01864-2045 |
| Document Number | 73777-215 |
| Book / Page | 73777 / 215 |
| Instrument Date | Dec 6, 2019 |
| Instrument | 192507 |
| Transaction Type | Transfer |
| Record Updated | Jun 8, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 234 PARK ST, NORTH READING, MA 01864-3220 |
| Document Number | 1830692 |
|---|---|
| Date | Dec 6, 2019 |
| Instrument | 1830692 |
| Name | LOWELL FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 7 Locust St was $18,970, up 1.2% from the year before.
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 | $18,970.00 (+1.23%) | $1,457,000 (+1.54%) Land $418,400 Building $1,038,600 | $1,536,242 |
| 2025 | $18,740.00 (+0.46%) | $1,434,900 (+1.61%) Land $402,400 Building $1,032,500 | |
| 2024 | $18,654.00 (+12.72%) | $1,412,100 (+19.38%) Land $379,600 Building $1,032,500 | |
| 2023 | $16,549.00 | $1,182,900 Land $348,500 Building $834,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7 Locust 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 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.
Wildfire risk around 7 Locust St is low, with a 0.01% annual chance of wildfire.
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 | Direct burnable vegetation |
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 144 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures