Middlesex County and Reading Town property record for 78 Cross St, Reading, MA 01867 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1960 |
| Square Footage | 1,796 sqft Living Area |
| Lot Size | 15,542 sqft (0.357 acres) |
| Garage | Attached |
| Occupancy | Owner Occupied |
| Tax Bill | $8,345.00 (2025) |
| Primary APN | 27000000025C |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 1,796 sqft Living Area |
| Gross Area | 3,284 sqft Gross Area |
| Basement Area | 928 sqft Basement |
| Unfinished Basement | 928 sqft Unfinished |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Cape Cod Style |
| Exterior Material | Wood Siding Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 15,542 sqft (0.357 acres) |
| Garage Type | Attached Garage |
| Heating System | Hot Water Heating |
|---|---|
| Heating Fuel | Oil Heating Fuel |
| Account Number | 27000000025C |
|---|---|
| Street Address | 78 CROSS ST |
| City | READING |
| State | MA |
| Zip | 01867-3639 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Jurisdiction | READING MA |
| Minor Civil Division | READING |
| Census Blockgroup | 3 |
| Census Block | 3002 |
| Census Tract | 334400 |
Source: Middlesex County and Reading Town records · APN 27000000025C
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 Trust Names on File |
|---|---|
| Mailing Address | 78 CROSS ST, READING, MA 01867-3639 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Owner is a Trust, Trust |
| Date | Document |
|---|---|
| Sep 07, 2021 | Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA |
| Nov 07, 2018 | Quit Claim Deed, Transfer Quitclaim Document |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 07, 2018 |
| Deed Sale | Nov 07, 2018 |
| Prior Sale | Jul 21, 2003 · Amount on Record |
| Deed Doc Number | 2018171229 |
| Deed Book / Page | 71853 / 269 |
| Transfer Doc | 71853-269 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 78 CROSS ST, READING, MA 01867-3639 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 078635-507 |
|---|---|
| Date | Sep 07, 2021 |
| Book Page | 78635/507 |
| Instrument | 198700 |
| Name | SANTANDER BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Nov 07, 2018 |
| Property Address | 78 CROSS ST, READING, MA 01867-3639 |
| Document Number | 71853-269 |
| Book / Page | 071853 / 000269 |
| Instrument Date | Oct 16, 2018 |
| Instrument | 1229 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 78 CROSS ST READING MA 018673639, READING, MA 01867-3639 |
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 | $8,345.00 (+3.08%) | $732,700 (+6.07%) Land $440,900 Building $291,800 | $754,015 (+3.62%) |
| 2024 | $8,096.00 (-2.26%) | $690,800 (+5%) Land $415,700 Building $275,100 | $727,700 |
| 2023 | $8,283.00 | $657,900 Land $395,900 Building $262,000 |
78 Cross St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Middlesex County (25017C), updated September 10, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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