Middlesex County and Reading Town property record for 98 Lowell St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,197 sqft · built 1895 |
| Lot Size | 0.082 acres (3,576 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $217,900 (Jul 1999) |
| Tax Bill | $6,812 (2026) |
| Deeds & Mortgages | Jan 2021 Refinance Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:021.0-0000-0385.0 |
| Primary APN | READ M:021.0-0000-0385.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,197 sqft Living Area |
| Gross Area | 2,210 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Other |
| Exterior Material | Other |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 3,576 sqft (0.082 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 860000000370 |
|---|---|
| Street Address | 98 LOWELL ST |
| City | READING |
| State | MA |
| Zip | 01867-2114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 334200 |
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 | 98 LOWELL ST, READING, MA 01867-2114 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 4, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance DIGITAL FCU |
| Nov 29, 2017 | Deed of Trust, Mortgage DIGITAL FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 29, 1999 · Amount on Record |
| Deed Sale | Jul 29, 1999 · Amount on Record |
| Prior Sale | May 19, 1995 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 98 LOWELL ST, READING, MA 01867-2114 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 076600-256 |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | 76600/256 |
| Instrument | 33 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Feb 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 98 LOWELL ST, READING, MA 01867-2114 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 70301-138 |
|---|---|
| Date | Nov 29, 2017 |
| Book Page | 70301/138 |
| Instrument | 192957 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Nov 1, 2027 |
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,812.00 (-2.27%) | $621,500 (+1.57%) Land $401,500 Building $220,000 | $635,458 (-7.23%) |
| 2025 | $6,970.00 (+1.18%) | $611,900 (+4.1%) Land $395,300 Building $216,600 | $684,950 (+7.6%) |
| 2024 | $6,889.00 (+3.61%) | $587,800 (+11.3%) Land $379,700 Building $208,100 | $636,595 |
| 2023 | $6,649.00 | $528,100 Land $342,400 Building $185,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 424 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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