Middlesex County and Reading Town property record for 95 John St, Reading, MA 01867 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,062 sqft · built 2004 |
| Lot Size | 0.141 acres (6,125 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,085,000 (Oct 2025) |
| Tax Bill | $10,449 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:017.0-0000-0199.0 |
| Primary APN | READ M:017.0-0000-0199.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,062 sqft Living Area |
| Gross Area | 3,640 sqft |
| Basement Area | 1,064 sqft |
| Unfinished Basement | 1,064 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,125 sqft (0.141 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 660000000080 |
|---|---|
| Street Address | 95 JOHN ST |
| City | READING |
| State | MA |
| Zip | 01867-2701 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4017 |
| Census Tract | 334400 |
Source: Middlesex County and Reading Town records · APN READ M:017.0-0000-0199.0
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 | 95 JOHN ST, READING, MA 01867-2701 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 23, 2025 | Quit Claim Deed, Transfer GUARANTEED RATE AFFINITY LLC |
| Jun 19, 2017 | Deed of Trust, Mortgage · ARM SALEM FIVE MTG CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 23, 2025 · Amount on Record |
| Deed Sale | Oct 23, 2025 · Amount on Record |
| Prior Sale | Oct 04, 2010 · Amount on Record |
| Deed Book / Page | 84774 / 460 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Oct 23, 2025 |
| Property Address | 95 JOHN ST, READING, MA 01867-2701 |
| Document Number | 084774-460 |
| Book / Page | 84774 / 460 |
| Instrument Date | Oct 23, 2025 |
| Instrument | 128946 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 95 JOHN ST, READING, MA 01867-2701 |
| Document Number | 0000128947 |
|---|---|
| Date | Oct 23, 2025 |
| Instrument | 128947 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.98% |
| Type Change Date | Nov 01, 2032 |
| Index | Other |
| Margin | 3 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 95 JOHN ST, READING, MA 01867-2701 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 69454-77 |
|---|---|
| Date | Jun 19, 2017 |
| Book Page | 69454/77 |
| Instrument | 92121 |
| Name | SALEM FIVE MTG CO |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.13% |
Source: Middlesex County and Reading Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
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 | $10,449.00 (+3.34%) | $917,400 (+6.34%) Land $403,400 Building $514,000 | $983,820 (+2.58%) |
| 2024 | $10,111.00 (+2.01%) | $862,700 (+9.58%) Land $379,400 Building $483,300 | $959,120 |
| 2023 | $9,912.00 | $787,300 Land $346,200 Building $441,100 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250173344004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 11 individual NFIP policies nearby |
| Nearby Flood Policies | 11 in force 9 of 11 on primary residences |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond 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.
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