93 Oak St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 93 Oak St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,243 sqft · built 1949
Lot Size	0.422 acres (18,374 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Dec 2025)
Tax Bill	$10,318 (2026)
Deeds & Mortgages	Feb 2021 Refinance Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:010.0-0000-0204.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:010.0-0000-0204.0`
Alternative APNs	`M:010.0=0000=0204.0` `320000000010` `320000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,243 sqft Living Area
Gross Area	3,804 sqft
Basement Area	821 sqft
Unfinished Basement	821 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1971
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,374 sqft (0.422 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	320000000010
Street Address	93 OAK ST
City	READING
State	MA
Zip	01867-3710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S15
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	5
Census Block	5001
Census Tract	334100

Owner

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	93 OAK ST, READING, MA 01867-3710
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance READING COOPERATIVE BANK
Dec 1, 2025	Deed, Transfer · Conventional Mortgage UBS BANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2025 · Amount on Record
Deed Sale	Dec 1, 2025 · Amount on Record
Prior Sale	Nov 29, 1974 · Amount on Record
Deed Document Number	2025146976
Deed Book / Page	84947 / 393
Transfer Doc	0000239326
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	93 OAK ST, READING, MA 01867-3710
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	077018-457
Date	Feb 22, 2021
Book Page	77018/457
Instrument	38758

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2031

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	READING MA
Recording Date	Dec 1, 2025
Property Address	93 OAK ST, READING, MA 01867-3710
Document Number	084947-393
Book / Page	84947 / 393
Instrument Date	Dec 1, 2025
Instrument	146976
Transaction Type	Transfer
Record Updated	Dec 24, 2025

Transaction

Amount	Amount Recorded
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	93 OAK ST, READING, MA 01867-3710

Mortgage

Document Number	0000146977
Date	Dec 1, 2025
Instrument	146977

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

Source: Middlesex County and Reading Town assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,318.00 (+1.47%)	$941,400 (+5.44%) Land $541,800 Building $388,200	$1,085,857 (-18.52%)
2025	$10,169.00 (+1.1%)	$892,800 (+4.03%) Land $513,500 Building $379,300	$1,332,660 (+9.01%)
2024	$10,058.00 (+3.1%)	$858,200 (+10.75%) Land $493,300 Building $364,900	$1,222,460
2023	$9,756.00	$774,900 Land $444,800 Building $330,100

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

Flood

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	3 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

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

Wildfire Risk	Not rated no burnable land within 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	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

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, 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 356 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

May also be available: Astound Broadband, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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