Middlesex County and Reading Town property record for 166 Pearl St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 3,743 sqft · built 2017 |
| Lot Size | 0.238 acres (10,350 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,785,000 (Aug 2026) |
| Tax Bill | $15,743 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Feb 2023 Transfer + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:034.0-0000-0057.0 |
| Primary APN | READ M:034.0-0000-0057.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,743 sqft Living Area |
| Gross Area | 5,976 sqft |
| Basement Area | 1,104 sqft |
| Unfinished Basement | 1,104 sqft |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,350 sqft (0.238 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1300000000900 |
|---|---|
| Street Address | 166 PEARL ST |
| City | READING |
| State | MA |
| Zip | 01867-1735 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 334400 |
Source: Middlesex County and Reading Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 166 PEARL ST, READING, MA 01867-1735 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Person |
| Date | Document |
|---|---|
| Aug 17, 2026 | Quit Claim Deed, Transfer · ARM LEADER BANK NA |
| Feb 27, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Nov 30, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Jul 20, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLES UNITED BANK |
| Jul 30, 2018 | Quit Claim Deed, Transfer PEOPLES UNITED BANK |
| Jan 9, 2018 | Quit Claim Deed, Transfer · Conventional with PMI THEISS E WINKLER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2026 · Amount on Record |
| Deed Sale | Aug 17, 2026 · Amount on Record |
| Prior Sale | Nov 30, 2022 · Amount on Record |
| Deed Document Number | 2026103633 |
| Deed Book / Page | 86023 / 180 |
| Prior Transfer Date | Jul 31, 2026 |
| Prior Transfer Doc | 0000103633 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Aug 17, 2026 |
| Property Address | 166 PEARL ST, READING, MA 01867-1735 |
| Document Number | 0000103633 |
| Book / Page | 86023 / 180 |
| Instrument Date | Jul 31, 2026 |
| Instrument | 2026103633 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 166 PEARL ST, READING, MA 01867-1735 |
| Date | Aug 17, 2026 |
|---|
| Name | LEADER BANK NA |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Initial Type | Adjustable Rate |
| Type Change Date | Sep 1, 2033 |
| Index | Other |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Feb 27, 2023 |
| Property Address | 166 PEARL ST, READING, MA 01867-1735 |
| Document Number | 00081281-1 |
| Book / Page | 81281 / 1 |
| Instrument Date | Feb 22, 2023 |
| Instrument | 19755 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 166 PEARL ST, READING, MA 01867-1735 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Nov 30, 2022 |
| Property Address | 166 PEARL ST, READING, MA 01867-1735 |
| Document Number | 0081006-96 |
| Book / Page | 81006 / 96 |
| Instrument Date | Nov 30, 2022 |
| Instrument | 175332 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 166 PEARL ST, READING, MA 01867-1735 |
| Document Number | 0000175333 |
|---|---|
| Date | Nov 30, 2022 |
| Instrument | 175333 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 166 PEARL ST, READING, MA 01867-1735 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 75163-83 |
|---|---|
| Date | Jul 20, 2020 |
| Book Page | 75163/83 |
| Instrument | 117952 |
| Name | PEOPLES UNITED BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jul 30, 2018 |
| Property Address | 166 PEARL ST, READING, MA 01867-1735 |
| Document Number | 71394-480 |
| Book / Page | 71394 / 480 |
| Instrument | 114658 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $50.42 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 166 PEARL ST, READING, MA 01867-1735 |
| Document Number | 713940483 |
|---|---|
| Date | Jul 30, 2018 |
| Instrument | 71394/0483 |
| Name | PEOPLES UNITED BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 30, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jan 9, 2018 |
| Property Address | 166 PEARL ST, READING, MA 01867-1735 |
| Document Number | 70486-479 |
| Book / Page | 070486 / 000479 |
| Instrument Date | Jan 8, 2018 |
| Instrument | 3443 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,368.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 309 PEARL ST READING MA 018671352, READING, MA 01867-1352 |
| Document Number | 70486-482 |
|---|---|
| Date | Jan 9, 2018 |
| Book Page | 070486/000482 |
| Instrument | 3444 |
| Name | THEISS E WINKLER |
|---|---|
| Special Notes | Seller Financed |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $15,743.00 (+3.52%) | $1,436,400 (+7.58%) Land $466,700 Building $969,700 | $1,589,184 (+32.69%) |
| 2025 | $15,208.00 (+0.22%) | $1,335,200 (+3.12%) Land $433,800 Building $901,400 | $1,197,665 (-5.75%) |
| 2024 | $15,175.00 (+6.87%) | $1,294,800 (+14.81%) Land $420,700 Building $874,100 | $1,270,720 |
| 2023 | $14,199.00 | $1,127,800 Land $366,400 Building $761,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | READING WATER DEPARTMENT (MWRA) serves 26,262 people · EPA ID MA3246000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Nov 2023 |
| Lead | 8 ppb (2021–2023) action level 15 ppb |
| Water Quality | E. coli not recorded as resolved · Oct 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 211 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures