94 Oak St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 94 Oak St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,621 sqft · built 1934
Lot Size	0.202 acres (8,817 sqft)
Owner	2 Individual Names on Record
Last Sale	$665,500 (Jun 2018)
Tax Bill	$9,291 (2026)
Deeds & Mortgages	Jun 2018 Sale & Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`READ M:010.0-0000-0026.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:010.0-0000-0026.0`
Alternative APNs	`M:010.0=0000=0026.0` `240000000010` `240000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,621 sqft Living Area
Gross Area	2,870 sqft
Basement Area	748 sqft
Unfinished Basement	524 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,817 sqft (0.202 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	240000000010
Street Address	94 OAK ST
City	READING
State	MA
Zip	01867-3703
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	5008
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	94 OAK ST, READING, MA 01867-3703
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2018	Quit Claim Deed, Transfer · Conventional Mortgage FIRST CHOICE LN SVCS
May 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage WINCHESTER BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2018 · Amount on Record
Deed Sale	Jun 28, 2018 · Amount on Record
Prior Sale	Apr 11, 2014 · Amount on Record
Transfer Doc	0001790994
Record Updated	Oct 29, 2026

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jun 28, 2018
Property Address	94 OAK ST, READING, MA 01867-3703
Document Number	0000090994
Instrument Date	Jun 28, 2018
Instrument	90994
Transaction Type	Transfer
Record Updated	Dec 18, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,035.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	94 OAK ST READING MA 018673703, READING, MA 01867-3703

Mortgage

Document Number	90995
Date	Jun 28, 2018
Instrument	90995

Lender

Name	FIRST CHOICE LN SVCS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2048

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	94 OAK ST, READING, MA 01867-3703
Document Number	0000088705
Instrument Date	May 23, 2018
Transaction Type	Mortgage
Record Updated	Jun 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	94 OAK ST READING MA 018673703, READING, MA 01867-3703

Mortgage

Document Number	0000088705
Date	May 31, 2018
Instrument	88705

Lender

Name	WINCHESTER BK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

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	$9,291.00 (+1.52%)	$847,700 (+5.5%) Land $503,800 Building $343,900	$871,466 (+2.62%)
2025	$9,152.00 (+1.18%)	$803,500 (+4.11%) Land $477,500 Building $326,000	$849,205 (+9.69%)
2024	$9,045.00 (+3.24%)	$771,800 (+10.91%) Land $458,700 Building $313,100	$774,155
2023	$8,761.00	$695,900 Land $413,600 Building $282,300

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

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures