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81 Charles St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 81 Charles St, Reading, MA 01867 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 2,297 sqft · built 1960
Lot Size0.511 acres (22,255 sqft)
Owner2 Individual Names on File
Last Sale$260,000 (Jun 1999)
Tax Bill$9,186 (2025)
Deeds & MortgagesSep 2021 Mortgage
Sep 2021 Mortgage
Flood ZoneZone X (minimal risk)
APNREAD M:028.0-0000-0095.0

Property Details

APN / Parcel Number

Primary APNREAD M:028.0-0000-0095.0
Alternative APNs
  • M:028.0=0000=0095.0
  • 1050000000270
  • 1050000000

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area2,297 sqft Living Area
Gross Area3,142 sqft
Basement Area892 sqft
Unfinished Basement339 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1960
Effective Year BuiltEffective 1970
Architectural StyleColonial
Exterior MaterialWood Siding
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area22,255 sqft (0.511 acres)
Garage TypeAttached

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Account Number1050000000270
Street Address81 CHARLES ST
CityREADING
StateMA
Zip01867-1824
Property CategoryResidential
Property TypeResidential > Single Family > Home
JurisdictionREADING MA
Township / Civil DivisionREADING
Census Block Group2
Census Block2004
Census Tract334400

Owner

Source: Middlesex County and Reading Town records · APN READ M:028.0-0000-0095.0

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 Record2 Individual Names on File
Mailing Address81 CHARLES ST, READING, MA 01867-1824
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 15, 2021Deed of Trust, Mortgage · FHA Mortgage
SECRETARY HOUSING URBAN DEVELOPMENT
Sep 15, 2021Deed of Trust, Mortgage · FHA Mortgage
SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 02, 1999 · Amount on Record
Deed SaleJun 02, 1999 · Amount on Record
Prior SaleNov 30, 1994 · Amount on Record
Record UpdatedSep 20, 2026

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionREADING MA
Property Address81 CHARLES ST, READING, MA 01867-1824
Transaction TypeMortgage
Record UpdatedApr 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number078697-101
DateSep 15, 2021
Book Page78697/101
Instrument204646
Lender
NameSECRETARY HOUSING URBAN DEVELOPMENT
TypeGovernment Agency
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term301 Months
DueOct 01, 2046

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionREADING MA
Property Address81 CHARLES ST, READING, MA 01867-1824
Transaction TypeMortgage
Record UpdatedDec 10, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number78697-101
DateSep 15, 2021
Book Page78697/101
Instrument204646
Lender
NameSECRETARY HOUSING URBAN DEVELOPMENT
TypeGovernment Agency
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term301 Months
DueOct 01, 2046

Tax Assessment & Valuation

Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
County SubdivisionReading Town
Unified School DistrictReading School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$9,186.00 (+0.22%)$806,500 (+3.12%) Land $499,100 Building $307,400$1,146,175 (+24.11%)
2024$9,166.00 (+6.83%)$782,100 (+14.76%) Land $483,900 Building $298,200$923,495
2023$8,580.00$681,500 Land $421,600 Building $259,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173344002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies2 in force
Nearby Flood Claims1 (1981)
Most Recent ClaimFeb 1981, tidal / storm surge

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 424 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
VerizonFiber980 / 880
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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