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Single Family ResidenceResidential
$1,203,088$369 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $658,000 on Sep 25, 2006

20 WINTER ST

NORTH READING, MA 01864
4
Beds
3 / 1
Baths
3,262 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.
1.9 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
9
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

$1.2M
$1.1M low$1.3M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$658,000 · Sep 25, 2006
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$613,488
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$490,790
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.48%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$458,000
BANK OF KANSAS CITY · recorded Jul 1, 2016
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$131,600
NATIONAL CITY MTG CO

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13,328 (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.$1,020,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$418,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$602,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$996,300

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.27 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.1 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.Colonial
CountyMiddlesex
Lot (acres)The size of the land the home sits on, from county records.1.90
ConstructionThe main material the home's frame and walls are built from.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air
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, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(5)

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.

E
E. Ethel Little Elementary SchoolA-
Elementary · Grades KG–5 · 0.9 mi
M
North Reading Middle SchoolA-
Middle · Grades 6–8 · 1.1 mi
H
North Reading High SchoolA
High · Grades 9–12 · 1.1 mi

District: North Reading School District

Neighborhood · ZIP 01864These 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.38
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.87

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.97%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.36%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.0%
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.15,861
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,181 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$140,298
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$192,654
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.58%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

20 Winter 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.

  • Worth more than 82% of homes in North Reading 01864
  • Costs less per square foot than 83% of homes in North Reading 01864
  • Bigger than 89% of homes in Middlesex County
  • Has a bigger lot than 91% of homes in North Reading 01864
  • Newer than 92% of homes in Middlesex County

What homes are worth in North Reading 01864

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

This home
$298K$1.9M

This home is worth more than 82% of homes in North Reading 01864.

How it measures up in North Reading 01864

The dot is this home. The mark in the middle is the typical home in North Reading 01864.

Estimated value$1,203,088
CheaperTypical $806,293Pricier

Pricier than 82% of homes nearby

Price per ft²$369
CheaperTypical $440Pricier

Pricier than 17% of homes nearby

Living area3,262 ft²
SmallerTypical 1,776 ft²Bigger

Bigger than 86% of homes nearby

Lot size1.9 ac
SmallerTypical 0.71 acBigger

Bigger than 91% of homes nearby

Year built2005
OlderTypical 1974Newer

Newer than 86% of homes nearby

How 20 Winter St ranks against every home in each area.
MeasureThis homeNorth Reading 01864Middlesex County
Estimated valuepricier than$1,203,08882% of homes80% of homes
Price per ft²pricier than$36917% of homes23% of homes
Living areabigger than3,262 ft²86% of homes89% of homes
Lot sizebigger than1.9 ac91% of homes88% of homes
Year builtnewer than200586% of homes92% of homes

About 20 Winter St

How much is 20 Winter St, North Reading, MA worth?

The TopHap Estimate for 20 Winter St, North Reading, MA is $1,203,088 as of Jul 14, 2026. The likely range is $1,146,805 to $1,259,371. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Winter St, North Reading, MA last sell?

20 Winter St, North Reading, MA last sold on Sep 25, 2006 for $658,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 20 Winter St, North Reading, MA?

20 Winter St, North Reading, MA has 4 bedrooms, 3 bathrooms, 3,262 square feet of living space and a 1.90-acre lot.

When was 20 Winter St, North Reading, MA built?

20 Winter St, North Reading, MA was built in 2005, making it 21 years old. It is a colonial home. The building has 2 stories.

What schools serve 20 Winter St, North Reading, MA?

20 Winter St, North Reading, MA is assigned to E. Ethel Little Elementary School (elementary), rated A-; North Reading Middle School (middle), rated A-; North Reading High School (high), rated A. All sit in North Reading School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 20 Winter St, North Reading, MA compare to other homes in North Reading 01864?

Among the 5,464 homes in North Reading 01864, it is worth more than 82% of them ($1,203,088 against a typical $806,293), its price per square foot is higher than 17% of them ($369 against a typical $440), it is bigger than 86% of them (3,262 ft² against a typical 1,776 ft²), its lot is bigger than 91% of them (1.9 ac against a typical 0.71 ac) and it is newer than 86% of them (2005 against a typical 1974). Measured against all of Middlesex County, it is worth more than 80% 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 20 Winter St, North Reading, MA?

The 2025 property tax bill for 20 Winter St, North Reading, MA was $13,328. The county assessed it at $1,020,500.

Closest homes

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Assigned schools

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