Middlesex County and Reading Town property record for 78 Charles St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,539 sqft · built 1940 |
| Lot Size | 0.674 acres (29,351 sqft) |
| Owner | Individual Name on File |
| Last Sale | $417,000 (Aug 2015) |
| Tax Bill | $8,549 (2026) |
| Deeds & Mortgages | May 2022 Refinance May 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:028.0-0000-0157.0 |
| Primary APN | READ M:028.0-0000-0157.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,539 sqft Living Area |
| Gross Area | 3,501 sqft |
| Basement Area | 1,040 sqft |
| Unfinished Basement | 541 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 29,351 sqft (0.674 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1150000000290 |
|---|---|
| Street Address | 78 CHARLES ST |
| City | READING |
| State | MA |
| Zip | 01867-1755 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 334400 |
78 Charles St is owned and occupied by an individual who acquired it in April 2022.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 78 CHARLES ST, READING, MA 01867-1755 |
| 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 |
|---|---|
| May 3, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance GARDEN STATE HOME LOANS |
| May 2, 2022 | Quit Claim Deed, Transfer Quitclaim |
| May 29, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 19, 2015 · Amount on File |
| Deed Sale | Aug 19, 2015 · Amount on File |
| Prior Sale | Jul 28, 1992 · Amount on File |
| Deed Book / Page | 65936 / 144 |
| Last Transfer Date | Apr 14, 2022 |
| Transfer Doc | 080067-203 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 78 CHARLES ST, READING, MA 01867-1755 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 080070-580 |
|---|---|
| Date | May 3, 2022 |
| Book Page | 80070/580 |
| Instrument | 66246 |
| Name | GARDEN STATE HOME LOANS |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2037 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | May 2, 2022 |
| Property Address | 78 CHARLES ST, READING, MA 01867-1755 |
| Document Number | 080067-203 |
| Book / Page | 80067 / 203 |
| Instrument Date | Apr 14, 2022 |
| Instrument | 65869 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 78 CHARLES ST, READING, MA 01867-1755 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 78 CHARLES ST, READING, MA 01867-1755 |
| Document Number | 72746-140 |
| Instrument Date | May 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 2, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 78 CHARLES ST READING MA 018671755, READING, MA 01867-1755 |
| Document Number | 72746-140 |
|---|---|
| Date | Jun 12, 2019 |
| Book Page | 072746/000140 |
| Instrument | 79441 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 11, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 78 Charles St was $8,549, up 3.5% from the year before.
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,549.00 (+3.47%) | $780,000 (+7.53%) Land $564,100 Building $211,300 | $773,014 (+10.02%) |
| 2025 | $8,262.00 (+0.19%) | $725,400 (+3.1%) Land $524,400 Building $201,000 | $702,620 (+6.8%) |
| 2024 | $8,246.00 (+6.77%) | $703,600 (+14.7%) Land $508,500 Building $195,100 | $657,875 |
| 2023 | $7,723.00 | $613,400 Land $442,900 Building $170,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 78 Charles St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 78 Charles 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 | None beyond ember reach |
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 | READING WATER DEPARTMENT (MWRA) serves 26,262 people · EPA ID MA3246000 |
|---|---|
| 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, 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 424 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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