Middlesex County and North Reading Town property record for 89 Central St, North Reading, MA 01864
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,092 sqft · built 1962 |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $200,000 (Aug 2025) |
| Tax Bill | $7,161 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage Aug 2025 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | M:34-P:074 |
| Primary APN | M:34-P:074 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| 1st Floor Area | 1,092 sqft |
| Basement Area | 1,092 sqft |
| Unfinished Basement | 892 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,522 sqft (0.54 acres) |
| Garage Type | Attached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 89 CENTRAL ST |
|---|---|
| City | NORTH READING |
| State | MA |
| Zip | 01864-3228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Lot Number | 74.0 |
| Jurisdiction | NORTH READING MA |
| Township / Civil Division | NORTH READING |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 330102 |
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 | PO BOX 845, BURLINGTON, MA 01803-5845 |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Oct 30, 2025 | Deed of Trust, Mortgage LEADER BANK NA |
| Aug 14, 2025 | Fiduciary Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 14, 2025 · Amount on Record |
| Deed Sale | Aug 14, 2025 · Amount on Record |
| Deed Document Number | 202596980 |
| Deed Book / Page | 84488 / 509 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTH READING MA |
| Property Address | 89 CENTRAL ST, NORTH READING, MA 01864-3228 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0084805-99 |
|---|---|
| Date | Oct 30, 2025 |
| Book Page | 84805/99 |
| Instrument | 131997 |
| Name | LEADER BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | NORTH READING MA |
| Recording Date | Aug 14, 2025 |
| Property Address | 89 CENTRAL ST, NORTH READING, MA 01864-3228 |
| Document Number | 084488-509 |
| Book / Page | 84488 / 509 |
| Instrument Date | Aug 14, 2025 |
| Instrument | 96980 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 845, BURLINGTON, MA 01803-5845 |
Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | North Reading Town |
| Unified School District | North Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,161.00 (+2.56%) | $550,000 (+2.88%) Land $399,400 Building $150,600 | $1,213,614 |
| 2025 | $6,982.00 (+3.07%) | $534,600 (+4.25%) Land $384,000 Building $150,600 | |
| 2024 | $6,774.00 (+6.58%) | $512,800 (+12.88%) Land $362,200 Building $150,600 | |
| 2023 | $6,356.00 | $454,300 Land $332,600 Building $121,700 |
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 | 1 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 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.
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 |
| 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.
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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