99 Central St, North Reading, MA 01864 Property Records

Middlesex County and North Reading Town property record for 99 Central St, North Reading, MA 01864

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,536 sqft · built 1968
Lot Size	0.64 acres (27,878 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Oct 2010)
Tax Bill	$9,148 (2026)
Deeds & Mortgages	Oct 2026 Line of Credit Jul 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:34-P:071`

Property Details

APN / Parcel Number

Primary APN	`M:34-P:071`
Alternative APN	`NREA M:034.0 B:0000 L:0071.0`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,536 sqft Living Area
Gross Area	786 sqft
1st Floor Area	786 sqft
Basement Area	786 sqft
Unfinished Basement	436 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,878 sqft (0.64 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	99 CENTRAL ST
City	NORTH READING
State	MA
Zip	01864-3229
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	71.0
Jurisdiction	NORTH READING MA
Township / Civil Division	NORTH READING
Census Block Group	2
Census Block	2000
Census Tract	330102

Owner

99 Central St is owned and occupied by an individual who bought it in October 2010.

Source: Middlesex County and North Reading Town records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	99 CENTRAL ST, NORTH READING, MA 01864-3229
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
Jul 3, 2018	Deed of Trust, Mortgage · Line of Credit ROCKLAND TR
Jul 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage ROCKLAND TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2010 · Amount on File
Deed Sale	Oct 26, 2010 · Amount on File
Deed Document Number	2010192270
Deed Book / Page	55674 / 64
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Recording Date	Oct 1, 2026
Property Address	99 CENTRAL ST, NORTH READING, MA 01864-3229
Document Number	0000124865
Book / Page	86204 / 404
Instrument Date	Sep 14, 2026
Instrument	2026124865
Transaction Type	Mortgage
Record Updated	Oct 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 CENTRAL ST, NORTH READING, MA 01864-3229

Mortgage

Document Number	0000124865,
Date	Oct 1, 2026
Book Page	86204/404
Instrument	2026124865

Lender

Name	SALEM FIVE CENTS SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	99 CENTRAL ST, NORTH READING, MA 01864-3229
Document Number	71372-149
Instrument Date	Jul 3, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	99 CENTRAL ST NORTH READING MA 018643229, NORTH READING, MA 01864-3229

Mortgage

Document Number	71372-149
Date	Jul 25, 2018
Book Page	071372/000149
Instrument	112007

Lender

Name	ROCKLAND TR

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTH READING MA
Property Address	99 CENTRAL ST, NORTH READING, MA 01864-3229
Document Number	69588-307
Book / Page	069588 / 000307
Instrument Date	Jul 7, 2017
Transaction Type	Mortgage
Record Updated	Aug 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69588-307
Date	Jul 12, 2017
Book Page	069588/000307
Instrument	108030

Lender

Name	ROCKLAND TR

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 99 Central St was $9,148, up 1.9% from the year before.

Source: Middlesex County and North Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	North Reading Town
Unified School District	North Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,148.00 (+1.94%)	$702,600 (+2.26%) Land $404,400 Building $298,200	$733,647
2025	$8,974.00 (+2.15%)	$687,100 (+3.32%) Land $388,900 Building $298,200
2024	$8,785.00 (+1.63%)	$665,000 (+7.62%) Land $366,800 Building $298,200
2023	$8,644.00	$617,900 Land $336,800 Building $281,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 99 Central St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

Wildfire

Wildfire risk around 99 Central St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTH READING WATER DEPT. serves 16,379 people · EPA ID MA3213000
Water Source	Purchased surface water from ANDOVER WATER DEPT
Last State Inspection	Dec 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2020
Treatment and Procedure	Coliform assessment Aug 2019
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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