Middlesex County and Reading Town property record for 97 Curtis St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,350 sqft · built 1937 |
| Lot Size | 0.2 acres (8,725 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (Aug 2009) |
| Tax Bill | $9,309 (2025) |
| Deeds & Mortgages | Apr 2026 Second Mortgage Aug 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:004.0-0000-0026.0 |
| Primary APN | READ M:004.0-0000-0026.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,350 sqft Living Area |
| Gross Area | 3,912 sqft |
| Basement Area | 560 sqft |
| Unfinished Basement | 280 sqft |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,725 sqft (0.2 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 30000000290 |
|---|---|
| Street Address | 97 CURTIS ST |
| City | READING |
| State | MA |
| Zip | 01867-3906 |
| 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 | 2005 |
| Census Tract | 334100 |
Source: Middlesex County and Reading Town records · APN READ M:004.0-0000-0026.0
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 | 97 CURTIS ST, READING, MA 01867-3906 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 10, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MIDDLESEX SAVINGS BANK |
| Aug 10, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) MIDDLESEX SAVINGS BANK |
| Apr 07, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Jun 22, 2017 | Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK |
| Sep 10, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance MIDDLESEX SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 06, 2009 · Amount on Record |
| Deed Sale | Aug 06, 2009 · Amount on Record |
| Prior Sale | Jul 12, 1990 · Amount on Record |
| Deed Document Number | 2009155339 |
| Deed Book / Page | 53348 / 555 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Apr 10, 2026 |
| Property Address | 97 CURTIS ST, READING, MA 01867-3906 |
| Document Number | 085452-450 |
| Book / Page | 85452 / 450 |
| Instrument Date | Mar 28, 2026 |
| Instrument | 202639780 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 97 CURTIS ST, READING, MA 01867-3906 |
| Document Number | 0000039780, |
|---|---|
| Date | Apr 10, 2026 |
| Book Page | 85452/450 |
| Instrument | 202639780 |
| Name | MIDDLESEX SAVINGS BANK |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 97 CURTIS ST, READING, MA 01867-3906 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 081873-381 |
|---|---|
| Date | Aug 10, 2023 |
| Book Page | 81873/381 |
| Instrument | 89475 |
| Name | MIDDLESEX SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 97 CURTIS ST, READING, MA 01867-3906 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 77451-413 |
|---|---|
| Date | Apr 07, 2021 |
| Book Page | 77451/413 |
| Instrument | 78206 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 01, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 97 CURTIS ST, READING, MA 01867-3906 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 69474-568 |
|---|---|
| Date | Jun 22, 2017 |
| Book Page | 69474/568 |
| Instrument | 94720 |
| Name | MIDDLESEX SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 97 CURTIS ST, READING, MA 01867-3906 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75578-120 |
|---|---|
| Date | Sep 10, 2020 |
| Book Page | 75578/120 |
| Instrument | 158349 |
| Name | MIDDLESEX SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Oct 01, 2030 |
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 | $9,309.00 (+11.65%) | $817,300 (+14.89%) Land $477,100 Building $340,200 | $889,390 (+18.76%) |
| 2024 | $8,338.00 (+3.24%) | $711,400 (+10.9%) Land $458,400 Building $253,000 | $748,885 |
| 2023 | $8,076.00 | $641,500 Land $413,300 Building $228,200 |
Source: FEMA National Flood Hazard Layer as of September 10, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| 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 |
|
| 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.
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.
Source: EPA Safe Drinking Water Information System 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 |
| 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.
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