Middlesex County and Reading Town property record for 173 Pearl St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,736 sqft · built 1825 |
| Lot Size | 0.454 acres (19,759 sqft) |
| Owner | Trust Name on File |
| Last Sale | $43,000 (Aug 1975) |
| Tax Bill | $8,758 (2026) |
| Deeds & Mortgages | Oct 2022 Transfer Feb 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:034.0-0000-0059.0 |
| Primary APN | READ M:034.0-0000-0059.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,736 sqft Living Area |
| Gross Area | 3,140 sqft |
| Basement Area | 868 sqft |
| Unfinished Basement | 868 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1825 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Other |
| Exterior Material | Other |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 19,759 sqft (0.454 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1310000000060 |
|---|---|
| Street Address | 173 PEARL ST |
| City | READING |
| State | MA |
| Zip | 01867-1733 |
| 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 | 1004 |
| Census Tract | 334400 |
173 Pearl St is owner-occupied and held in a trust since May 2022.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 173 PEARL ST, READING, MA 01867-1733 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 14, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Feb 5, 2018 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 1975 · Amount on File |
| Deed Sale | Aug 28, 1975 · Amount on File |
| Last Transfer Date | May 13, 2022 |
| Transfer Doc | 080830-215 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Oct 14, 2022 |
| Property Address | 173 PEARL ST, READING, MA 01867-1733 |
| Document Number | 080830-215 |
| Book / Page | 80830 / 215 |
| Instrument Date | May 13, 2022 |
| Instrument | 154392 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 173 PEARL ST, READING, MA 01867-1733 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 173 PEARL ST, READING, MA 01867-1733 |
| Document Number | 70647-145 |
| Instrument Date | Feb 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2018 |
| Name | Verified Name |
|---|
| Document Number | 70647-145 |
|---|---|
| Date | Feb 20, 2018 |
| Book Page | 070647/000145 |
| Instrument | 23745 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 173 Pearl St was $8,758, up 3.5% from the year before.
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 | $8,758.00 (+3.5%) | $799,100 (+7.56%) Land $527,300 Building $271,600 | $788,541 (+13.07%) |
| 2025 | $8,462.00 (+0.24%) | $742,900 (+3.14%) Land $490,200 Building $252,700 | $697,395 (+1.63%) |
| 2024 | $8,442.00 (+6.86%) | $720,300 (+14.79%) Land $475,300 Building $245,000 | $686,185 |
| 2023 | $7,900.00 | $627,500 Land $414,000 Building $213,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 173 Pearl St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 173 Pearl St is low, with a 0.01% annual chance of wildfire.
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 |
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