76 Chestnut St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 76 Chestnut St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,308 sqft · built 1950
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on Record
Last Sale	$645,000 (Mar 2017)
Tax Bill	$11,820 (2026)
Deeds & Mortgages	Oct 2023 Line of Credit Feb 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:56-P:035`

Property Details

APN / Parcel Number

Primary APN	`M:56-P:035`
Alternative APN	`NREA M:056.0 B:0000 L:0035.0`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,308 sqft Living Area
Gross Area	1,890 sqft
1st Floor Area	1,890 sqft
Basement Area	1,890 sqft
Unfinished Basement	1,890 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,075 sqft (0.92 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	76 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	35.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1021
Census Tract	330102

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	76 CHESTNUT ST, NORTH READING, MA 01864-2820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2023	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Feb 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MSA LENDING LLC
Feb 2, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance MSA LENDING LLC
Feb 2, 2021	Quit Claim Deed, Transfer Quitclaim
Mar 24, 2017	Quit Claim Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2017 · Amount on Record
Deed Sale	Mar 24, 2017 · Amount on Record
Prior Sale	Dec 30, 2013
Deed Book / Page	69051 / 108
Last Transfer Date	Jan 28, 2021
Transfer Doc	76862-233
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	76 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	082132-237
Date	Oct 25, 2023
Book Page	82132/237
Instrument	121025

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	76 CHESTNUT ST, NORTH READING, MA 01864-2820
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076862-242
Date	Feb 2, 2021
Book Page	76862/242
Instrument	24075

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Feb 2, 2021
Property Address	76 CHESTNUT ST, NORTH READING, MA 01864-2820
Document Number	076862-238
Book / Page	76862 / 238
Instrument Date	Jan 28, 2021
Instrument	24074
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	76 CHESTNUT ST, NORTH READING, MA 01864-2820

Mortgage

Document Number	076862-242
Date	Feb 2, 2021
Book Page	76862/242
Instrument	24075

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Feb 2, 2021
Property Address	76 CHESTNUT ST, NORTH READING, MA 01864-2820
Document Number	76862-233
Book / Page	76862 / 233
Instrument Date	Jan 28, 2021
Instrument	24073
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 CHESTNUT ST, NORTH READING, MA 01864-2820

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Mar 24, 2017
Property Address	76 CHESTNUT ST, NORTH READING, MA 01864-2820
Document Number	69051-108
Book / Page	069051 / 000108
Instrument Date	Mar 21, 2017
Instrument	43659
Transaction Type	Transfer
Record Updated	Apr 11, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,941.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 CHESTNUT ST NORTH READING MA 018642820, NORTH READING, MA 01864-2820

Mortgage

Document Number	69051-113
Date	Mar 24, 2017
Book Page	069051/000113
Instrument	43660

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 23, 2047

Tax Assessment & Valuation

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	$11,820.00 (-4.29%)	$907,800 (-4%) Land $418,600 Building $489,200	$1,048,124
2025	$12,350.00 (+3.03%)	$945,600 (+4.21%) Land $402,700 Building $542,900
2024	$11,987.00 (+5.64%)	$907,400 (+11.87%) Land $379,800 Building $527,600
2023	$11,347.00	$811,100 Land $348,700 Building $462,400

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

Flood

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 Record 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

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.

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 122 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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