Middlesex County and North Reading Town property record for 8 Central St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4.5 ba · 3,152 sqft · built 1987 |
| Lot Size | 0.935 acres (40,729 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $887,500 (Oct 2020) |
| Tax Bill | $13,028 (2026) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Aug 2017 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | M:41-P:020 |
| Primary APN | M:41-P:020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,152 sqft Living Area |
| Gross Area | 1,230 sqft |
| 1st Floor Area | 1,844 sqft |
| Basement Area | 1,844 sqft |
| Unfinished Basement | 1,724 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,729 sqft (0.935 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 8 CENTRAL ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-2302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 20.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 330201 |
Source: Middlesex County and North Reading Town records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 8 CENTRAL ST, NORTH READING, MA 01864-2302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 16, 2020 | Quit Claim Deed, Transfer · Conventional Mortgage RITA WHITNEY |
| Aug 3, 2017 | Deed of Trust, Mortgage · Line of Credit METRO CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 16, 2020 · Amount on Record |
| Deed Sale | Oct 16, 2020 · Amount on Record |
| Prior Sale | Jun 14, 1996 · Amount on Record |
| Deed Document Number | 2020188373 |
| Deed Book / Page | 75903 / 9 |
| Prior Transfer Date | Oct 8, 2020 |
| Prior Transfer Doc | 75903-9 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Oct 16, 2020 |
| Property Address | 8 CENTRAL ST, NORTH READING, MA 01864-2302 |
| Document Number | 75903-9 |
| Book / Page | 075903 / 000009 |
| Instrument Date | Oct 8, 2020 |
| Instrument | 188373 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,047.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8 CENTRAL ST NORTH READING MA 018642302, NORTH READING, MA 01864-2302 |
| Document Number | 75903-12 |
|---|---|
| Date | Oct 16, 2020 |
| Book Page | 075903/000012 |
| Instrument | 188374 |
| Name | RITA WHITNEY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 15, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 8 CENTRAL ST, NORTH READING, MA 01864-2302 |
| Document Number | 69742-536 |
| Book / Page | 069742 / 000536 |
| Instrument Date | Aug 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2017 |
| Name | Verified Name |
|---|
| Document Number | 69742-536 |
|---|---|
| Date | Aug 8, 2017 |
| Book Page | 069742/000536 |
| Instrument | 126681 |
| Name | METRO CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 7, 2037 |
| Rate Type | Adjustable Rate |
|---|
Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $13,028.00 (+1.76%) | $1,000,600 (+2.07%) Land $419,200 Building $581,400 | $1,082,592 |
| 2025 | $12,803.00 (+1.23%) | $980,300 (+2.39%) Land $403,200 Building $577,100 | |
| 2024 | $12,647.00 (+1.24%) | $957,400 (+7.22%) Land $380,300 Building $577,100 | |
| 2023 | $12,492.00 | $892,900 Land $349,200 Building $543,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 8 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.
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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