92 Curtis St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 92 Curtis St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,562 sqft · built 2015
Lot Size	0.465 acres (20,234 sqft)
Owner	2 Individual Names on File
Last Sale	$915,000 (Mar 2016)
Tax Bill	$14,577 (2025)
Deeds & Mortgages	Sep 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`READ M:004.0-0000-0053.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:004.0-0000-0053.0`
Alternative APNs	`M:004.0=0000=0053.0` `40000000080` `40000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,562 sqft Living Area
Gross Area	5,671 sqft
Basement Area	1,583 sqft
Unfinished Basement	791 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,234 sqft (0.465 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	40000000080
Street Address	92 CURTIS ST
City	READING
State	MA
Zip	01867-3905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	2
Census Block	2000
Census Tract	334100

Owner

Source: Middlesex County and Reading Town records · APN READ M:004.0-0000-0053.0

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	92 CURTIS ST, READING, MA 01867-3905
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 28, 2016 · Amount on Record
Deed Sale	Mar 28, 2016 · Amount on Record
Prior Sale	Oct 14, 2014 · Amount on Record
Deed Book / Page	66990 / 61
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	92 CURTIS ST, READING, MA 01867-3905
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	75672-45
Date	Sep 21, 2020
Book Page	75672/45
Instrument	166786

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

Tax Assessment & Valuation

Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,577.00 (+1.17%)	$1,279,800 (+4.1%) Land $520,600 Building $759,200	$1,424,430 (+5.64%)
2024	$14,409.00 (+3.25%)	$1,229,400 (+10.91%) Land $500,100 Building $729,300	$1,348,335
2023	$13,956.00	$1,108,500 Land $450,900 Building $657,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), as of September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173341002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 285 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MA3246000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	READING WATER DEPARTMENT (MWRA) serves 26,262 people
Water Source	Purchased surface water from MWRA
Last State Inspection	Nov 2023
Lead	8 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.