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Single Family ResidenceResidential
$878,637$422 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

109 CHARLES ST

READING, MA 01867
3
Beds
2
Baths
2,082 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.46 ac
Lot SizeThe size of the land the home sits on, from county records.
1955
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$879K
$809K low$948K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$9,540 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$837,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$466,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$371,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,225,025

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Split Level
CountyMIDDLESEX
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1965
Lot (acres)The size of the land the home sits on, from county records.0.46
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Basement
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Reading Memorial High SchoolA-
High · Grades 9–12 · 0.5 mi
M
Arthur W. Coolidge Middle SchoolA-
Middle · Grades 6–8 · 0.7 mi
E
J. Warren Killam Elementary SchoolA
Elementary · Grades KG–5 · 0.8 mi

District: Reading School District

Neighborhood · ZIP 01867These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.29
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.81

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.37%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.25,631
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,546 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$145,651
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$169,912
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.48 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Owner Tools

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Charles St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs less per square foot than 71% of homes in Reading 01867

What homes are worth in Reading 01867

Each bar is how many homes fall in that price range. The marker is this home.

This home
$384K$1.7M

This home is worth more than 49% of homes in Reading 01867.

How it measures up in Reading 01867

The dot is this home. The mark in the middle is the typical home in Reading 01867.

Estimated value$878,637
CheaperTypical $886,474Pricier

Pricier than 49% of homes nearby

Price per ft²$422
CheaperTypical $470Pricier

Pricier than 29% of homes nearby

Living area2,082 ft²
SmallerTypical 1,938 ft²Bigger

Bigger than 57% of homes nearby

Lot size0.46 ac
SmallerTypical 0.35 acBigger

Bigger than 60% of homes nearby

Year built1955
OlderTypical 1959Newer

Newer than 44% of homes nearby

How 109 Charles St ranks against every home in each area.
MeasureThis homeReading 01867Middlesex County
Estimated valuepricier than$878,63749% of homes60% of homes
Price per ft²pricier than$42229% of homes40% of homes
Living areabigger than2,082 ft²57% of homes60% of homes
Lot sizebigger than0.46 ac60% of homes61% of homes
Year builtnewer than195544% of homes47% of homes

About 109 Charles St

How much is 109 Charles St, Reading, MA worth?

The TopHap Estimate for 109 Charles St, Reading, MA is $878,637 as of Sep 24, 2026. The likely range is $809,012 to $948,262. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Charles St, Reading, MA last sell?

109 Charles St, Reading, MA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 109 Charles St, Reading, MA?

109 Charles St, Reading, MA has 3 bedrooms, 2 bathrooms, 2,082 square feet of living space and a 0.46-acre lot.

When was 109 Charles St, Reading, MA built?

109 Charles St, Reading, MA was built in 1955, making it 71 years old. It is a split level home. The building has 1 story.

What schools serve 109 Charles St, Reading, MA?

109 Charles St, Reading, MA is assigned to Reading Memorial High School (high), rated A-; Arthur W. Coolidge Middle School (middle), rated A-; J. Warren Killam Elementary School (elementary), rated A. All sit in Reading School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Charles St, Reading, MA compare to other homes in Reading 01867?

Among the 8,629 homes in Reading 01867, it is worth more than 49% of them ($878,637 against a typical $886,474), its price per square foot is higher than 29% of them ($422 against a typical $470), it is bigger than 57% of them (2,082 ft² against a typical 1,938 ft²), its lot is bigger than 60% of them (0.46 ac against a typical 0.35 ac) and it is newer than 44% of them (1955 against a typical 1959). Measured against all of Middlesex County, it is worth more than 60% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Charles St, Reading, MA?

The 2025 property tax bill for 109 Charles St, Reading, MA was $9,540. The county assessed it at $837,600.

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