Middlesex County and Reading Town property record for 864 Main St, Reading, MA 01867
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2 ba · 2,746 sqft · built 1850 |
| Lot Size | 0.721 acres (31,398 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $299,900 (Nov 2000) |
| Tax Bill | $8,652 (2026) |
| Deeds & Mortgages | Oct 2022 Refinance Dec 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:027.0-0000-0380.0 |
| Primary APN | READ M:027.0-0000-0380.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Units | 2 Units |
| Stories | 3 Stories |
| Building Area | 2,746 sqft Living Area |
| Gross Area | 3,586 sqft |
| Basement Area | 450 sqft |
| Unfinished Basement | 450 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 31,398 sqft (0.721 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1140000000340 |
|---|---|
| Street Address | 864 MAIN ST |
| City | READING |
| State | MA |
| Zip | 01867-1754 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 334300 |
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 | 864 MAIN ST, READING, MA 01867-1754 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Oct 21, 2022 | Quit Claim Deed, Transfer · Stand-Alone Refinance LADERA LENDING |
| Dec 28, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 2000 · Amount on Record |
| Deed Sale | Nov 7, 2000 · Amount on Record |
| Prior Sale | Jun 29, 1998 · Amount on Record |
| Last Transfer Date | Sep 26, 2022 |
| Transfer Doc | 080850-573 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Oct 21, 2022 |
| Property Address | 864 MAIN ST, READING, MA 01867-1754 |
| Document Number | 080850-573 |
| Book / Page | 80850 / 573 |
| Instrument Date | Sep 26, 2022 |
| Instrument | 156859 |
| Transaction Type | Transfer |
| Record Updated | Nov 11, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 864 MAIN ST, READING, MA 01867-1754 |
| Document Number | 080850-577 |
|---|---|
| Date | Oct 21, 2022 |
| Book Page | 80850/577 |
| Instrument | 156860 |
| Name | LADERA LENDING |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 864 MAIN ST, READING, MA 01867-1754 |
| Document Number | 72146-520 |
| Instrument Date | Dec 28, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2019 |
| Name | Verified Name |
|---|---|
| Address | 864 MAIN ST READING MA 018671754, READING, MA 01867-1754 |
| Document Number | 72146-520 |
|---|---|
| Date | Jan 22, 2019 |
| Book Page | 072146/000520 |
| Instrument | 8367 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 21, 2049 |
| Rate Type | Adjustable Rate |
|---|
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 | $8,652.00 (+1.81%) | $789,400 (+5.8%) Land $425,700 Building $354,700 | $935,899 |
| 2025 | $8,498.00 (-0.89%) | $746,100 (+1.98%) Land $402,100 Building $344,000 | |
| 2024 | $8,574.00 (+4.21%) | $731,600 (+11.95%) Land $394,200 Building $337,400 | |
| 2023 | $8,228.00 | $653,500 Land $351,600 Building $301,900 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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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