88 Central St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 88 Central St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,950 sqft · built 1938
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Mar 2022)
Tax Bill	$8,507 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Apr 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:34-P:017`

Property Details

APN / Parcel Number

Primary APN	`M:34-P:017`
Alternative APN	`NREA M:034.0 B:0000 L:0017.0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,950 sqft Living Area
Gross Area	1,306 sqft
1st Floor Area	970 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	88 CENTRAL ST
City	NORTH READING
State	MA
Zip	01864-3207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	17.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1012
Census Tract	330201

Owner

88 Central St is owned and occupied by two individuals who bought it in March 2022.

Source: Middlesex County and North Reading Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	88 CENTRAL ST, NORTH READING, MA 01864-3207
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EQUITY PRIME MTG
Apr 21, 2021	Quit Claim Deed, Transfer Quitclaim
Jun 28, 2018	Quit Claim Deed, Transfer FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2022 · Amount on File
Deed Sale	Mar 23, 2022 · Amount on File
Prior Sale	Jun 28, 2018 · Amount on File
Deed Book / Page	79865 / 34
Record Updated	Oct 29, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Mar 23, 2022
Property Address	88 CENTRAL ST, NORTH READING, MA 01864-3207
Document Number	0079865-34
Book / Page	79865 / 34
Instrument Date	Mar 23, 2022
Instrument	43526
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	88 CENTRAL ST, NORTH READING, MA 01864-3207

Mortgage

Document Number	0000043527
Date	Mar 23, 2022
Instrument	43527

Lender

Name	EQUITY PRIME MTG

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Apr 21, 2021
Property Address	88 CENTRAL ST, NORTH READING, MA 01864-3207
Document Number	77553-437
Book / Page	77553 / 437
Instrument Date	Apr 19, 2021
Instrument	88512
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	88 CENTRAL ST, NORTH READING, MA 01864-3207

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTH READING MA
Recording Date	Jun 28, 2018
Property Address	88 CENTRAL ST, NORTH READING, MA 01864-3207
Document Number	71228-478
Book / Page	71228 / 478
Instrument	94263
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63.42
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	88 CENTRAL ST, NORTH READING, MA 01864-3207

Mortgage

Document Number	712280482
Date	Jun 28, 2018
Instrument	71228/0482

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2048

Interest

Rate	4.13%
Max Rate At Change	70.1%
Max Rate	2.25%

Tax Assessment & Valuation

The 2026 property tax bill for 88 Central St was $8,507, down 2.5% from the year before.

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	$8,507.00 (-2.53%)	$653,400 (-2.23%) Land $384,500 Building $268,900	$792,376
2025	$8,728.00 (+3.45%)	$668,300 (+4.63%) Land $369,500 Building $298,800
2024	$8,437.00 (+5.03%)	$638,700 (+11.23%) Land $348,500 Building $290,200
2023	$8,033.00	$574,200 Land $320,200 Building $254,000

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

Flood

FEMA maps place 88 Central St in Zone X, an area of minimal flood risk.

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	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.

Wildfire

Wildfire risk around 88 Central St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 94% 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.

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 151 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

May also be available: T-Mobile.

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