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97 Franklin St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 97 Franklin St, Reading, MA 01867

Property Summary

Property TypeSingle Family Home
Details4 bd · 5 ba · 3,905 sqft · built 2003
Lot Size0.723 acres (31,498 sqft)
OwnerIndividual Name on File
Last Sale$1,100,000 (Jan 2021)
Tax Bill$16,023 (2025)
Deeds & MortgagesJan 2021 Sale & Mortgage
Jun 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNREAD M:052.0-0000-0057.0

Property Details

APN / Parcel Number

Primary APNREAD M:052.0-0000-0057.0
Alternative APNs
  • M:052.0=0000=0057.0
  • 2250000000090
  • 2250000000

Interior

Bedrooms4 Beds
Full Baths5 Baths
Total Rooms9 Rooms
Stories2 Stories
Building Area3,905 sqft Living Area
Gross Area6,368 sqft
Basement Area1,468 sqft
Unfinished Basement1,468 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Architectural StyleColonial
Exterior MaterialWood Siding
Construction TypeFrame
Roof TypeHip
Roof MaterialAsphalt
Lot Area31,498 sqft (0.723 acres)
Garage TypeBasement
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number2250000000090
Street Address97 FRANKLIN ST
CityREADING
StateMA
Zip01867-1169
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeS20
JurisdictionREADING MA
Township / Civil DivisionREADING
Census Block Group1
Census Block1002
Census Tract334300

Owner

Source: Middlesex County and Reading Town assessment roll, APN READ M:052.0-0000-0057.0, as of 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 RecordIndividual Name on File
Mailing Address97 FRANKLIN ST, READING, MA 01867-1169
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 25, 2021Quit Claim Deed, Transfer · Stand-Alone First Mortgage
UNITED WHOLESALE MORTGAGE
Jun 01, 2020Deed of Trust, Mortgage · Conventional Mortgage
JUDITH PINKHAM
Jan 07, 2020Deed of Trust, Mortgage · Conventional Mortgage
ALAN H SHOCKET

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 25, 2021 · Amount on Record
Deed SaleJan 25, 2021 · Amount on Record
Prior SaleMay 28, 1999 · Amount on Record
Deed Document Number202116702
Deed Book / Page76774 / 22
Record UpdatedSep 20, 2026

January 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionREADING MA
Recording DateJan 25, 2021
Property Address97 FRANKLIN ST, READING, MA 01867-1169
Document Number76774-22
Book / Page76774 / 22
Instrument DateJan 20, 2021
Instrument16702
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address97 FRANKLIN ST, READING, MA 01867-1169

Mortgage

Document Number16703
DateJan 25, 2021
Instrument16703
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionREADING MA
Property Address97 FRANKLIN ST, READING, MA 01867-1169
Document Number74794-1
Instrument DateJun 01, 2020
Transaction TypeMortgage
Record UpdatedJun 16, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address97 FRANKLIN ST READING MA 018671169, READING, MA 01867-1169

Mortgage

Document Number74794-1
DateJun 01, 2020
Book Page074794/000001
Instrument83485
Lender
NameJUDITH PINKHAM
Agreement
TypeConventional Mortgage
AmountAmount Recorded

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionREADING MA
Property Address97 FRANKLIN ST, READING, MA 01867-1169
Document Number73956-345
Instrument DateJan 07, 2020
Transaction TypeMortgage
Record UpdatedJan 29, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address30 FRANKLIN ST READING MA 018671117, READING, MA 01867-1117

Mortgage

Document Number73956-345
DateJan 07, 2020
Book Page073956/000345
Instrument2757
Lender
NameALAN H SHOCKET
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Middlesex County and Reading Town assessment roll as of April 14, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
County SubdivisionReading Town
Unified School DistrictReading 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.

YearTax BillAssessed ValueAssessed Market Value
2025$16,023.00 (+0.22%)$1,406,800 (+3.12%) Land $532,000 Building $874,800$1,342,350 (+2.29%)
2024$15,988.00 (+6.85%)$1,364,200 (+14.78%) Land $515,900 Building $848,300$1,312,235
2023$14,963.00$1,188,500 Land $449,400 Building $739,100

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 250173343001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims2 (1982–2010)
Claims Outside the SFHA1 of 2
Most Recent ClaimMar 2010 · Severe Storms And Flooding

Wildfire

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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, 203 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fiber		980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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 SystemREADING WATER DEPARTMENT (MWRA)
serves 26,262 people
Water SourcePurchased surface water from MWRA
Last State InspectionNov 2023
Lead8 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
not recorded as resolved · Oct 2019
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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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