400 Main St, Reading MA 01867
Reading, MA 01867
$899,000
$850,000
Est. $4,933/month
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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Property History
Market Insights
1
Price Changes
5.5%
Price Range
Property Timeline
Price Reduced
Jun 16, 2026
$850,000
$49,000
(-5.45%)
From $899,000 to $850,000 (-5.5%)
Listed for Sale
May 14, 2026
$899,000
Original listing
Agent: Kimberly O'Neil Mara
Office: Century 21 North East
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 06/16/2026 | ↓ Price Reduced | $850,000 | $49,000 | - | From $899,000 to $850,000 (-5.5%) |
| 05/14/2026 | 🏠 Listed for Sale | $899,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2025 | $5,224 | — |
Financial Details
Annual Property Tax
$5,224
Tax Year 2025
Facts & Features
Home Facts
Type
Commercial Sale
Year Built
1963
Living Area
1,603 sq ft
Lot Size
0.06 acres
Interior
Heating
None
Cooling
None
Flooring
None
Appliances
None
Fireplace
None
Basement
None
Laundry
None
Features
None
Exterior
Construction
None
Architecture
None
Roof
Shingle
Features
None
Pool
None
Spa
None
Fencing
None
Patio/Porch
None
Parking
Features
None
Utilities
Electric
None
Water
None
Sewer
None
Gas
None
Other
Public Water, Public Sewer
Financial
Annual Tax
$5,224
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
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
[]
Documents
None
County
Middlesex
Property Overview
Listing Type
Commercial Sale
Year Built
1963
Living Area
1,603 sq ft
Floor Layout
Interactive room guide
Floor Layout
Display Options
Room Markers
BABathroom (4)
BRBedroom (5)
DDining (1)
KKitchen (1)
LLiving (2)
OOffice (1)
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:
Interior Features:
Windows:
Basement:
Laundry:
Security:
Construction & Materials
Year Built:
1963
Structure Type:
Exterior Materials:
Roof:
Shingle
Foundation:
Heating, Cooling & Utilities
Heating:
Cooling:
Hot Water:
Water Source:
Sewer:
Energy Features:
Exterior & Lot
Exterior Features:
Patio & Porch:
Fencing:
Other Structures:
Lot Features:
Road Surface:
Parking & Garage
Parking Features:
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
|
#93 of 824
|
Score: 59.7
Improved 34 spots from last year
+1.5 above state avg
388 students
Moderate
Rising School
Strong Attendance
Grades K-05
RISE PreSchool
1.1 mi
116 students
Moderate
Grades PK
A
Alice M Barrows School
1.1 mi
|
#158 of 824
|
Score: 56.8
Dropped 82 spots from last year
-1.5 below state avg
365 students
Less Diverse
Strong Attendance
Grades K-05
A-
Birch Meadow School
1.3 mi
|
#240 of 824
|
Score: 52.9
Dropped 160 spots from last year
-5.3 below state avg
359 students
Moderate
Strong Attendance
Grades K-05
A
J. Warren Killam Elementary School
1.6 mi
|
#94 of 824
|
Score: 59.7
Improved 18 spots from last year
+1.5 above state avg
406 students
Moderate
Strong Attendance
Grades K-05
B+
Wood End Elementary School
2.3 mi
|
#275 of 824
|
Score: 51.6
Dropped 192 spots from last year
-6.6 below state avg
236 students
Less Diverse
Strong Attendance
Grades K-05
Middle Schools
2 schools
A
Walter S Parker Middle School
0.6 mi
|
#62 of 352
|
Score: 54.7
Dropped 26 spots from last year
-3.6 below state avg
467 students
Moderate
Grades 06-08
A
Arthur W Coolidge Middle School
1.3 mi
|
#43 of 352
|
Score: 58.1
Improved 32 spots from last year
-0.1 below state avg
405 students
Less Diverse
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
|
#65 of 346
|
Score: 65.1
Dropped 5 spots from last year
+6.8 above state avg
1,094 students
Less Diverse
18 sports
• 2,420 athletes
Strong AP Program
High Graduation Rate
College Ready Curriculum
Strong Athletics
Grades 09-12
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Principal, interest, taxes & insurance
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
$0/mo
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Current Rate
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+0.5% Rate
$0/mo
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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 St, 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
Jul 31, 2026 5:56 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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