Middlesex County and Reading Town property record for 97 Prospect St, Reading, MA 01867 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,180 sqft · built 1894 |
| Lot Size | 0.345 acres (15,024 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,600,000 (Apr 2021) |
| Tax Bill | $19,123 (2025) |
| Deeds & Mortgages | Nov 2022 Refinance Apr 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:020.0-0000-0035.0 |
| Primary APN | READ M:020.0-0000-0035.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 3 Stories |
| Building Area | 3,180 sqft Living Area |
| Gross Area | 5,703 sqft |
| Basement Area | 1,320 sqft |
| Unfinished Basement | 1,320 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1894 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 15,024 sqft (0.345 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 600000000160 |
|---|---|
| Street Address | 97 PROSPECT ST |
| City | READING |
| State | MA |
| Zip | 01867-2334 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 334200 |
Source: Middlesex County and Reading Town records · APN READ M:020.0-0000-0035.0
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 PROSPECT ST, READING, MA 01867-2334 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 18, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance DISCOVER BANK |
| Apr 09, 2021 | Quit Claim Deed, Transfer |
| Jun 05, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 09, 2021 · Amount on Record |
| Deed Sale | Apr 09, 2021 · Amount on Record |
| Prior Sale | Jun 05, 2019 · Amount on Record |
| Deed Document Number | 202180490 |
| Deed Book / Page | 77472 / 495 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 97 PROSPECT ST, READING, MA 01867-2334 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 080962-182 |
|---|---|
| Date | Nov 18, 2022 |
| Book Page | 80962/182 |
| Instrument | 170183 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Apr 09, 2021 |
| Property Address | 97 PROSPECT ST, READING, MA 01867-2334 |
| Document Number | 77472-495 |
| Book / Page | 77472 / 495 |
| Instrument Date | Mar 29, 2021 |
| Instrument | 80490 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 97 PROSPECT ST, READING, MA 01867-2334 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jun 05, 2019 |
| Property Address | 97 PROSPECT ST, READING, MA 01867-2334 |
| Document Number | 72713-405 |
| Book / Page | 072713 / 000405 |
| Instrument Date | May 31, 2019 |
| Instrument | 75491 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,743.76 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 97 PROSPECT ST READING MA 018672334, READING, MA 01867-2334 |
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 | $19,123.00 (+1.11%) | $1,678,900 (+4.03%) Land $500,900 Building $1,178,000 | $1,881,855 |
| 2024 | $18,914.00 (+4.12%) | $1,613,800 (+11.84%) Land $481,200 Building $1,132,600 | |
| 2023 | $18,166.00 | $1,442,900 Land $433,900 Building $1,009,000 |
Source: FEMA National Flood Hazard Layer, Middlesex County (25017C), updated September 10, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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