Middlesex County and Reading Town property record for 845 Main St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,056 sqft · built 1940 |
| Lot Size | 0.182 acres (7,937 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $855,000 (Dec 2024) |
| Tax Bill | $8,414 (2026) |
| Deeds & Mortgages | Feb 2023 Line of Credit Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:028.0-0000-0143.0 |
| Primary APN | READ M:028.0-0000-0143.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,056 sqft Living Area |
| Gross Area | 1,286 sqft |
| Basement Area | 912 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Tar & Gravel |
| Lot Area | 7,937 sqft (0.182 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1150000000150 |
|---|---|
| Street Address | 845 MAIN ST |
| City | READING |
| State | MA |
| Zip | 01867-1710 |
| 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 |
Source: Middlesex County and 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 | 845 MAIN ST, READING, MA 01867-1710 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 23, 2023 | Deed of Trust, Mortgage · Line of Credit HANSCOM FCU |
| Nov 8, 2021 | Deed of Trust, Mortgage · ARM HANSCOM FCU |
| May 26, 2020 | Deed of Trust, Mortgage · Commercial Mortgage EVERETT COOPERATIVE BANK |
| Jun 19, 2020 | Quit Claim Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 4, 2024 · Amount on Record |
| Deed Sale | Dec 4, 2024 · Amount on Record |
| Prior Sale | Jun 19, 2020 · Amount on Record |
| Deed Document Number | 2024138591 |
| Deed Book / Page | 83545 / 146 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 845 MAIN ST, READING, MA 01867-1710 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 081270-359 |
|---|---|
| Date | Feb 23, 2023 |
| Book Page | 81270/359 |
| Instrument | 18464 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 845 MAIN ST, READING, MA 01867-1710 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 79096-263 |
|---|---|
| Date | Nov 8, 2021 |
| Book Page | 79096/263 |
| Instrument | 244193 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Dec 1, 2028 |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 845 MAIN ST, READING, MA 01867-1710 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74738-380 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 74738/380 |
| Instrument | 78828 |
| Name | EVERETT COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jun 19, 2020 |
| Property Address | 845 MAIN ST, READING, MA 01867-1710 |
| Document Number | 74926-246 |
| Book / Page | 74926 / 246 |
| Instrument Date | Jun 17, 2020 |
| Instrument | 96359 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 845 MAIN ST, READING, MA 01867-1710 |
| Document Number | 96360 |
|---|---|
| Date | Jun 19, 2020 |
| Instrument | 96360 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $8,414.00 (+18.71%) | $767,700 (+23.36%) Land $398,700 Building $369,000 | $810,109 (+0.13%) |
| 2025 | $7,088.00 (-0.87%) | $622,300 (+2%) Land $376,500 Building $245,800 | $809,020 (+2.32%) |
| 2024 | $7,150.00 (+4.33%) | $610,100 (+12.09%) Land $369,100 Building $241,000 | $790,685 |
| 2023 | $6,853.00 | $544,300 Land $329,300 Building $215,000 |
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 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.
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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