85 North St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 85 North St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,348 sqft · built 1960
Lot Size	0.985 acres (42,924 sqft)
Owner	2 Company Names on Record
Last Sale	$1,405,000 (Feb 2023)
Tax Bill	$17,266 (2026)
Deeds & Mortgages	Feb 2021 Refinance Mar 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:32-P:054`

Property Details

APN / Parcel Number

Primary APN	`M:32-P:054`
Alternative APN	`NREA M:032.0 B:0000 L:0054.0`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,348 sqft Living Area
Gross Area	1,738 sqft
1st Floor Area	1,344 sqft
Basement Area	1,610 sqft
Unfinished Basement	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,924 sqft (0.985 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	85 NORTH ST
City	NORTH READING
State	MA
Zip	01864-1443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	54.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	3
Census Block	3009
Census Tract	330102

Owner

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 Company Names on Record
Mailing Address	85 NORTH ST, NORTH READING, MA 01864-1443
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PAUL T MURPHY
Mar 30, 2023	Redemption Deed, Transfer
Feb 24, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2023 · Amount on Record
Deed Sale	Feb 24, 2023 · Amount on Record
Prior Sale	Jul 11, 2016 · Amount on Record
Deed Book / Page	81274 / 69
Last Transfer Date	Mar 1, 2023
Transfer Doc	081377-361
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	85 NORTH ST, NORTH READING, MA 01864-1443
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	076955-155
Date	Feb 12, 2021
Book Page	76955/155
Instrument	32986

Lender

Name	PAUL T MURPHY

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

March 2023: Redemption Deed, Transfer

Document Type	Redemption Deed
Jurisdiction	NORTH READING MA
Recording Date	Mar 30, 2023
Property Address	85 NORTH ST, NORTH READING, MA 01864-1443
Document Number	081377-361
Book / Page	81377 / 361
Instrument Date	Mar 1, 2023
Instrument	31451
Transaction Type	Transfer
Record Updated	Apr 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Feb 24, 2023
Property Address	85 NORTH ST, NORTH READING, MA 01864-1443
Document Number	0081274-69
Book / Page	81274 / 69
Instrument Date	Feb 24, 2023
Instrument	18940
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 GEORGE ST, STONEHAM, MA 02180-3906

Mortgage

Document Number	0000018941
Date	Feb 24, 2023
Instrument	18941

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.13%
Type Change Date	Mar 1, 2033
Max Rate At Change	3%
Index	Other
Margin	3

Tax Assessment & Valuation

Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	North Reading Town
Unified School District	North Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$17,266.00 (+2.31%)	$1,326,100 (+2.62%) Land $421,800 Building $904,300	$1,332,786
2025	$16,876.00 (+8.48%)	$1,292,200 (+9.72%) Land $405,700 Building $886,500
2024	$15,557.00 (+4.03%)	$1,177,700 (+10.18%) Land $382,700 Building $795,000
2023	$14,954.00	$1,068,900 Land $351,300 Building $717,600

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

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 159 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

Cell Coverage

5G (outdoors only) and 4G LTE

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