Middlesex County and Reading Town property record for 99 Charles St, Reading, MA 01867 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,845 sqft · built 1956 |
| Lot Size | 0.49 acres (21,331 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $440,900 (Aug 2012) |
| Tax Bill | $8,802 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Aug 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:028.0-0000-0094.0 |
| Primary APN | READ M:028.0-0000-0094.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,845 sqft Living Area |
| Gross Area | 3,236 sqft |
| 1st Floor Area | 2,281 sqft |
| Basement Area | 1,032 sqft |
| Unfinished Basement | 795 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,331 sqft (0.49 acres) |
| Garage Type | Attached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1050000000260 |
|---|---|
| Street Address | 99 CHARLES ST |
| City | READING |
| State | MA |
| Zip | 01867-1824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 334400 |
Source: Middlesex County and Reading Town records · APN READ M:028.0-0000-0094.0
Assessment roll updated April 14, 2026 · Last verified July 2026
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| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 99 CHARLES ST, READING, MA 01867-1824 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2022 | Deed of Trust, Mortgage · Line of Credit EASTERN BANK |
| Aug 03, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 17, 2012 · Amount on Record |
| Deed Sale | Aug 17, 2012 · Amount on Record |
| Prior Sale | Sep 09, 2003 · Amount on Record |
| Deed Book / Page | 59781 / 530 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 99 CHARLES ST, READING, MA 01867-1824 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|
| Document Number | 080773-214 |
|---|---|
| Date | Sep 29, 2022 |
| Book Page | 80773/214 |
| Instrument | 147531 |
| Name | EASTERN BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 99 CHARLES ST, READING, MA 01867-1824 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75285-394 |
|---|---|
| Date | Aug 03, 2020 |
| Book Page | 75285/394 |
| Instrument | 129415 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 01, 2040 |
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 | $8,802.00 (+0.22%) | $772,800 (+3.12%) Land $471,000 Building $301,800 | $1,035,405 (+20.71%) |
| 2024 | $8,783.00 (+6.86%) | $749,400 (+14.8%) Land $456,700 Building $292,700 | $857,755 |
| 2023 | $8,219.00 | $652,800 Land $397,800 Building $255,000 |
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 | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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