Middlesex County and Reading Town property record for 315 Pearl St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,328 sqft · built 1955 |
| Lot Size | 0.295 acres (12,859 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $665,000 (May 2017) |
| Tax Bill | $10,979 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage May 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:040.0-0000-0044.0 |
| Primary APN | READ M:040.0-0000-0044.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,328 sqft Living Area |
| Gross Area | 3,316 sqft |
| Basement Area | 1,552 sqft |
| Unfinished Basement | 776 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,859 sqft (0.295 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 1600000000050 |
|---|---|
| Street Address | 315 PEARL ST |
| City | READING |
| State | MA |
| Zip | 01867-1352 |
| 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 | 1014 |
| Census Tract | 334300 |
315 Pearl St is owned and occupied by two individuals who bought it in May 2017.
Source: Middlesex County and Reading Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 315 PEARL ST, READING, MA 01867-1352 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 2, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| May 16, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2017 · Amount on File |
| Deed Sale | May 16, 2017 · Amount on File |
| Prior Sale | May 27, 2016 · Amount on File |
| Transfer Doc | 0001760352 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 315 PEARL ST, READING, MA 01867-1352 |
| Document Number | 0000025306 |
| Instrument Date | Oct 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 315 PEARL ST READING MA 018671352, READING, MA 01867-1352 |
| Document Number | 0000025306 |
|---|---|
| Date | Oct 7, 2019 |
| Instrument | 25306 |
| Name | NEWREZ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 6, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | May 16, 2017 |
| Property Address | 315 PEARL ST, READING, MA 01867-1352 |
| Document Number | 0001760352 |
| Instrument Date | May 1, 2017 |
| Instrument | 1760352 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $3,032.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 315 PEARL ST READING MA 018671352, READING, MA 01867-1352 |
The 2025 property tax bill for 315 Pearl St was $10,979, up 0.2% 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 |
|---|---|---|---|
| 2025 | $10,979.00 (+0.22%) | $963,900 (+3.12%) Land $465,600 Building $498,300 | $988,570 (+0.48%) |
| 2024 | $10,955.00 (+6.87%) | $934,700 (+14.8%) Land $451,500 Building $483,200 | $983,820 |
| 2023 | $10,251.00 | $814,200 Land $393,300 Building $420,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 315 Pearl St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.
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 | 1 in force |
| Nearby Flood Claims | 2 (1982–2010) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Mar 2010 · Severe Storms And Flooding |
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 315 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 | None beyond ember reach |
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 264 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 |
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