Middlesex County and Reading Town property record for 73 Howard St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 2,752 sqft · built 1894 |
| Lot Size | 0.22 acres (9,601 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $660,000 (Aug 2011) |
| Tax Bill | $12,752 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Oct 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:010.0-0000-0314.0 |
| Primary APN | READ M:010.0-0000-0314.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,752 sqft Living Area |
| Gross Area | 5,372 sqft |
| Basement Area | 1,042 sqft |
| Unfinished Basement | 1,042 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1894 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,601 sqft (0.22 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 380000000050 |
|---|---|
| Street Address | 73 HOWARD ST |
| City | READING |
| State | MA |
| Zip | 01867-3314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Legal Subdivision | SCOTLAND PARK |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 334100 |
Source: Middlesex County and Reading Town records · APN READ M:010.0-0000-0314.0
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 73 HOWARD ST, READING, MA 01867-3314 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 16, 2022 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| Oct 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Jun 30, 2020 | Deed of Trust, Mortgage · Balloon Mortgage TD BANK NA |
| Sep 04, 2020 | Deed of Trust, Mortgage · Balloon Mortgage MANSFIELD COOPERATIVE BANK |
| Sep 04, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance MANSFIELD COOPERATIVE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 25, 2011 · Amount on Record |
| Deed Sale | Aug 25, 2011 · Amount on Record |
| Prior Sale | Nov 20, 2000 · Amount on Record |
| Deed Document Number | 201114 |
| Deed Book / Page | 57347 / 457 |
| Transfer Doc | 57623-347 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 73 HOWARD ST, READING, MA 01867-3314 |
| Transaction Type | Mortgage |
| Record Updated | Apr 01, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0079828-67 |
|---|---|
| Date | Mar 16, 2022 |
| Book Page | 79828/67 |
| Instrument | 39522 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 73 HOWARD ST, READING, MA 01867-3314 |
| Transaction Type | Mortgage |
| Record Updated | Nov 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 78974-135 |
|---|---|
| Date | Oct 22, 2021 |
| Book Page | 78974/135 |
| Instrument | 232298 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 73 HOWARD ST, READING, MA 01867-3314 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75001-105 |
|---|---|
| Date | Jun 30, 2020 |
| Book Page | 75001/105 |
| Instrument | 103159 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 73 HOWARD ST, READING, MA 01867-3314 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75544-163 |
|---|---|
| Date | Sep 04, 2020 |
| Book Page | 75544/163 |
| Instrument | 155026 |
| Name | MANSFIELD COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 73 HOWARD ST, READING, MA 01867-3314 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75543-349 |
|---|---|
| Date | Sep 04, 2020 |
| Book Page | 75543/349 |
| Instrument | 154973 |
| Name | MANSFIELD COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 01, 2035 |
Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,752.00 (-1.24%) | $1,119,600 (+1.62%) Land $549,900 Building $569,700 | $1,209,065 (-6.91%) |
| 2024 | $12,912.00 (+18.25%) | $1,101,700 (+27.03%) Land $541,000 Building $560,700 | $1,298,745 |
| 2023 | $10,919.00 | $867,300 Land $473,900 Building $393,400 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Feb 1978 · tidal / storm surge |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
May also be available: Radiate Holdings, T-Mobile USA.
Based on FCC filings for 356 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | READING WATER DEPARTMENT (MWRA) serves 26,262 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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