70 Chestnut St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 70 Chestnut St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,296 sqft · built 1952
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (May 2017)
Tax Bill	$9,238 (2026)
Deeds & Mortgages	Jun 2021 Refinance Jan 2024 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`M:56-P:032`

Property Details

APN / Parcel Number

Primary APN	`M:56-P:032`
Alternative APN	`NREA M:056.0 B:0000 L:0032.0`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	1,712 sqft
1st Floor Area	1,296 sqft
Basement Area	1,296 sqft
Unfinished Basement	1,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	52,272 sqft (1.2 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	70 CHESTNUT ST
City	NORTH READING
State	MA
Zip	01864-2820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	32.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1021
Census Tract	330102

Owner

70 Chestnut St is owned and occupied by two individuals who bought it in May 2017.

Source: Middlesex County and North Reading Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	70 CHESTNUT ST, NORTH READING, MA 01864-2820
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Jan 12, 2024	Deed of Trust, Mortgage · Line of Credit LIBERTY BAY CREDIT UNION
Mar 4, 2024	Deed of Trust, Mortgage · Line of Credit LIBERTY BAY CREDIT UNION
Sep 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Aug 5, 2024	Deed of Trust, Mortgage · Line of Credit LIBERTY BAY CREDIT UNION
Sep 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
May 22, 2017	Quit Claim Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2017 · Amount on File
Deed Sale	May 22, 2017 · Amount on File
Deed Book / Page	69313 / 44
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	70 CHESTNUT ST, NORTH READING, MA 01864-2820
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078067-188
Date	Jun 22, 2021
Book Page	78067/188
Instrument	140336

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	70 CHESTNUT ST, NORTH READING, MA 01864-2820
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082391-519
Date	Jan 12, 2024
Book Page	82391/519
Instrument	3869

Lender

Name	LIBERTY BAY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	70 CHESTNUT ST, NORTH READING, MA 01864-2820
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	082535-445
Date	Mar 4, 2024
Book Page	82535/445
Instrument	21281

Lender

Name	LIBERTY BAY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	70 CHESTNUT ST, NORTH READING, MA 01864-2820
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078690-383
Date	Sep 14, 2021
Book Page	78690/383
Instrument	203977

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	70 CHESTNUT ST, NORTH READING, MA 01864-2820
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	083091-468
Date	Aug 5, 2024
Book Page	83091/468
Instrument	86953

Lender

Name	LIBERTY BAY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	70 CHESTNUT ST, NORTH READING, MA 01864-2820
Transaction Type	Mortgage
Record Updated	Oct 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	78690-383
Date	Sep 14, 2021
Book Page	78690/383
Instrument	203977

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	May 22, 2017
Property Address	70 CHESTNUT ST, NORTH READING, MA 01864-2820
Document Number	69313-44
Book / Page	069313 / 000044
Instrument Date	May 22, 2017
Instrument	75337
Transaction Type	Transfer
Record Updated	Jun 13, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,710.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	70 CHESTNUT ST NORTH READING MA 018642820, NORTH READING, MA 01864-2820

Mortgage

Document Number	69313-47
Date	May 22, 2017
Book Page	069313/000047
Instrument	75338

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 21, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 70 Chestnut St was $9,238, up 15.2% from the year before.

Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	North Reading Town
Unified School District	North Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,238.00 (+15.2%)	$709,500 (+15.55%) Land $425,300 Building $284,200	$671,487
2025	$8,019.00 (+2.77%)	$614,000 (+3.94%) Land $409,100 Building $204,900
2024	$7,803.00 (+7.24%)	$590,700 (+13.57%) Land $385,800 Building $204,900
2023	$7,276.00	$520,100 Land $354,400 Building $165,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 70 Chestnut St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2001.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	7 (2001–2010)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Flooding, May 2006 · 5 claims

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

Wildfire risk around 70 Chestnut 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 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

Cell Coverage

5G (outdoors only) and 4G LTE

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