400 Main, Reading MA 01867
Reading, MA 01867
$850,000
Est. $4,933/month
Estimate assumptions
20% down, a 30-year loan at 6.5%, and $200/month estimated insurance.
Includes the supplied property-tax and HOA inputs; missing inputs contribute $0. HOA fees with an unspecified frequency are treated as monthly. PMI and closing costs are excluded.
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About this home
LIVE UPSTAIRS. RUN YOUR BUSINESS DOWNSTAIRS.LOW DOWN PAYMENT FINANCING AVAILABLE.Qualified owner-occupant buyers may be able to purchase this unique mixed-use property with as little as 5% down through conventional financing options.Welcome to 400 Main Street in Reading, where home and business come together under one roof.The first floor offers a flexible commercial space currently operating as a hair salon, complete with four styling stations, shampoo sinks, dryers, storage, and a half bath. Whether you’re a salon owner, esthetician, accountant, attorney, therapist, insurance agent, or another small business owner, this space offers incredible flexibility.Upstairs, you’ll find a beautiful two-bedroom residence featuring an open-concept kitchen with a four-seat peninsula, spacious living area, two private bedrooms, and a primary suite with a walk-in closet, spa-inspired bathroom, and private deck overlooking a fenced backyard.Even better, qualified buyers may be able to finance eligible improvements into the same mortgage, making it easier to customize the commercial space to fit your business.This is more than a property. It’s an opportunity to own your home, build your business, and invest in your future.
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Sep 12, 2026
$850,000
Original listing
Agent: Kimberly O'Neil Mara
Office: Century 21 North East
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/12/2026 | 🏠 Listed for Sale | $850,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $5,224 | $412,300 |
Financial Details
Annual Property Tax
$5,224
Tax Year 2025
Assessed Value
$412,300
Facts & Features
Central AC
Home Facts
Type
Residential Income
Style
Multi Family
Year Built
1963
Living Area
1,603 sq ft
Lot Size
0.06 acres
Stories
3
Bedrooms
2
Full Baths
1
Half Baths
1
Total Rooms
6
Investment Metrics
Units
2
Unit 1 Rent
— · N
Unit 2 Rent
— · N
Interior
Heating
Central
Cooling
Central Air
Flooring
None
Appliances
Other, Range, Dishwasher, Microwave, Refrigerator, Freezer, Washer, Dryer
Fireplace
None
Basement
Full, Partially Finished, Interior Entry
Laundry
None
Features
Other, Stone/granite/solid Counters, Walk-in Closet(s), Bathroom With Shower Stall, Open Floorplan, Remodeled, Living Room, Kitchen, Laundry Room, Office/den
Exterior
Construction
Frame
Architecture
None
Roof
Shingle
Features
Balcony/deck, Balcony
Pool
None
Spa
None
Fencing
Fenced/enclosed, Fenced
Patio/Porch
Deck, Patio, Patio - Enclosed
Parking
Features
Paved Drive, Off Street, Deeded, Paved
Total Spaces
4
Utilities
Electric
None
Water
Public
Sewer
Public Sewer
Gas
None
Other
None
Financial
Annual Tax
$5,224
Assessed Value
$412,300
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Room Sizes Are Approximate. Buyers And Their Agents To Do Own Due Diligence About Zoning.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
White
Sq Ft Source
Other
Documents
None
County
Middlesex
Property Overview
Property Type
Multi Family
Listing Type
For Sale
Year Built
1963
Bedrooms
2
Full Bathrooms
1
Half Bathrooms
1
Living Area
1,603 sq ft
Total Rooms
6
Stories
3
Levels
3
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,453 sq ft above grade
150 sq ft below grade
Display Options
Outdoor Areas
Patio & porchDeck, Patio, Patio - Enclosed
Room Markers
OOffice (1)
KKitchen (1)
BRBedroom (5)
BABathroom (4)
DDining (1)
LLiving (2)
Conceptual diagram based on MLS room data. It is not to scale and is not a substitute for architectural plans or on-site measurements.
Interior Features
Flooring:
Appliances:
Other, Range, Dishwasher, Microwave, Refrigerator, Freezer, Washer, Dryer
Interior Features:
Other, Stone/Granite/Solid Counters, Walk-In Closet(s), Bathroom with Shower Stall, Open Floorplan, Remodeled, Living Room, Kitchen, Laundry Room, Office/Den
Windows:
Basement:
Full, Partially Finished, Interior Entry
Laundry:
Security:
Construction & Materials
Year Built:
1963
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Concrete Perimeter
Stories:
3
Heating, Cooling & Utilities
Heating:
Central
Cooling:
Central Air
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Balcony/Deck, Balcony
Patio & Porch:
Deck, Patio, Patio - Enclosed
Fencing:
Fenced/Enclosed, Fenced
Other Structures:
Lot Features:
Road Surface:
Parking & Garage
Total Parking Spaces:
4
Parking Features:
Paved Drive, Off Street, Deeded, Paved
Nearby Schools
School District
Reading School District local
A
School Safety
2024-25
0.4%
Low
0.4%
Suspensions
0.2%
In-School
5.1% below state avg
Elementary Schools
6 schools
A+
Joshua Eaton School
0.6 mi
|
#83 of 825
|
Score: 60.1
Improved 44 spots from last year
+1.9 above state avg
401 students
Moderate
Rising School
Strong Attendance
Grades K-05
RISE PreSchool
1.1 mi
100 students
Moderate
Grades PK
A
Alice M Barrows School
1.1 mi
|
#155 of 825
|
Score: 56.8
Dropped 79 spots from last year
-1.4 below state avg
368 students
Less Diverse
Strong Attendance
Grades K-05
B+
Birch Meadow School
1.3 mi
|
#256 of 825
|
Score: 52.2
Dropped 176 spots from last year
-6 below state avg
346 students
Moderate
Strong Attendance
Grades K-05
A
J. Warren Killam Elementary School
1.6 mi
|
#92 of 825
|
Score: 59.7
Improved 20 spots from last year
+1.5 above state avg
400 students
Moderate
Rising School
Strong Attendance
Grades K-05
B+
Wood End Elementary School
2.3 mi
|
#270 of 825
|
Score: 51.7
Dropped 187 spots from last year
-6.5 below state avg
231 students
Less Diverse
Strong Attendance
Grades K-05
Middle Schools
2 schools
A
Walter S Parker Middle School
0.6 mi
|
#63 of 352
|
Score: 54.6
Dropped 27 spots from last year
-3.6 below state avg
533 students
Moderate
Strong Attendance
Grades 06-08
A
Arthur W Coolidge Middle School
1.3 mi
|
#43 of 352
|
Score: 58.3
Improved 32 spots from last year
+0.1 above state avg
417 students
Moderate
Rising School
Strong Attendance
Grades 06-08
High Schools
2 schools
Austin Prep School
1.5 mi
Grades 06-12
A
Reading Memorial High School
1.1 mi
|
#63 of 346
|
Score: 65.6
Dropped 3 spots from last year
+7.4 above state avg
1,066 students
Moderate
18 sports
• 2,420 athletes
Strong AP Program
High Graduation Rate
College Ready Curriculum
Strong Athletics
Grades 09-12
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Monthly Payment Calculator
Monthly Payment
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Loan Amount
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After down payment
Total Interest
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Over life of loan
Total Cost
$0
Including down payment
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Down: $0
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Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$435
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
$0
Total principal paid
$0
Total interest paid
$0
Rate Impact
-0.5% Rate
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+0.5% Rate
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Payment Over Time
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
* Estimates only. Actual payments may vary. Consult with a lender for accurate figures.
Location
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Neighborhood
400 Main, Reading MA 01867
Reading, MA 01867
Listing Information
Listing Agent
Kimberly O'Neil Mara
Listing Office
Century 21 North East
Office Phone
800-844-7653
Agent MLS ID
B8000844
Office MLS ID
AN8462
Listing Data Updated
Sep 12, 2026 9:28 AM EDT
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.
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