92 Chestnut St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 92 Chestnut St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,127 sqft · built 1954
Lot Size	0.71 acres (30,928 sqft)
Owner	2 Individual Names on File
Last Sale	$319,000 (May 2008)
Tax Bill	$8,385 (2026)
Deeds & Mortgages	Aug 2019 Line of Credit Jun 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:40-P:053`

Property Details

APN / Parcel Number

Primary APN	`M:40-P:053`
Alternative APN	`NREA M:040.0 B:0000 L:0053.0`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,127 sqft Living Area
1st Floor Area	1,127 sqft
Basement Area	1,015 sqft
Unfinished Basement	1,015 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,928 sqft (0.71 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	92 CHESTNUT ST
City	NORTH READING
State	MA
Zip	01864-2819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	53.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	1
Census Block	1016
Census Tract	330102

Owner

92 Chestnut St is owned and occupied by two individuals who bought it in May 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	92 CHESTNUT ST, NORTH READING, MA 01864-2819
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Aug 2, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jun 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Dec 21, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Oct 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2008 · Amount on File
Deed Sale	May 2, 2008 · Amount on File
Prior Sale	Sep 16, 2004 · Amount on File
Deed Document Number	200872251
Deed Book / Page	51126 / 339
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	92 CHESTNUT ST, NORTH READING, MA 01864-2819
Document Number	73089-142
Instrument Date	Aug 2, 2019
Transaction Type	Mortgage
Record Updated	Aug 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 CHESTNUT ST NORTH READING MA 018642819, NORTH READING, MA 01864-2819

Mortgage

Document Number	73089-142
Date	Aug 12, 2019
Book Page	073089/000142
Instrument	118259

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 11, 2049

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	92 CHESTNUT ST, NORTH READING, MA 01864-2819
Document Number	72809-473
Instrument Date	Jun 5, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	92 CHESTNUT ST NORTH READING MA 018642819, NORTH READING, MA 01864-2819

Mortgage

Document Number	72809-473
Date	Jun 24, 2019
Book Page	072809/000473
Instrument	86755

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 23, 2049

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	92 CHESTNUT ST, NORTH READING, MA 01864-2819
Document Number	72101-399
Instrument Date	Dec 21, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 CHESTNUT ST NORTH READING MA 018642819, NORTH READING, MA 01864-2819

Mortgage

Document Number	72101-399
Date	Jan 8, 2019
Book Page	072101/000399
Instrument	2592

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2049

Interest

Rate Type	Adjustable Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	92 CHESTNUT ST, NORTH READING, MA 01864-2819
Document Number	71871-161
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Dec 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 CHESTNUT ST NORTH READING MA 018642819, NORTH READING, MA 01864-2819

Mortgage

Document Number	71871-161
Date	Nov 13, 2018
Book Page	071871/000161
Instrument	3467

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 92 Chestnut St was $8,385, up 2.2% 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	$8,385.00 (+2.18%)	$644,000 (+2.5%) Land $407,800 Building $236,200	$662,667
2025	$8,206.00 (+2.51%)	$628,300 (+3.68%) Land $392,100 Building $236,200
2024	$8,005.00 (+13.4%)	$606,000 (+20.1%) Land $369,800 Building $236,200
2023	$7,059.00	$504,600 Land $339,600 Building $165,000

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

Flood

FEMA maps place 92 Chestnut St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2001.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	7 (2001–2010)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims Severe Storms And Flooding, May 2006 · 5 claims

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 92 Chestnut St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Chestnut St

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