325 Pearl St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 325 Pearl St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,042 sqft · built 1950
Lot Size	0.251 acres (10,929 sqft)
Owner	2 Individual Names on Record
Last Sale	$383,000 (Aug 2019)
Tax Bill	$10,683 (2026)
Deeds & Mortgages	Feb 2021 Refinance Aug 2019 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:040.0-0000-0042.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:040.0-0000-0042.0`
Alternative APNs	`M:040.0=0000=0042.0` `1600000000030` `1600000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,042 sqft Living Area
Gross Area	3,672 sqft
Basement Area	1,261 sqft
Unfinished Basement	1,261 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,929 sqft (0.251 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1600000000030
Street Address	325 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

Owner

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	325 PEARL ST, READING, MA 01867-1352
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MERIDIAN BANK
Aug 5, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 5, 2019	Quit Claim Deed, Transfer · Conventional Mortgage CITIZENS BK/RI
Jan 5, 2017	Quit Claim Deed, Transfer Quitclaim
Jan 5, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2019 · Amount on Record
Deed Sale	Aug 5, 2019 · Amount on Record
Prior Sale	Jan 5, 2017
Deed Document Number	20191819794
Prior Transfer Date	Jul 30, 2019
Prior Transfer Doc	1819794
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	325 PEARL ST, READING, MA 01867-1352
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76884-544
Date	Feb 4, 2021
Book Page	76884/544
Instrument	26225

Lender

Name	MERIDIAN BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 5, 2019
Property Address	325 PEARL ST, READING, MA 01867-1352
Document Number	73057-511
Book / Page	073057 / 000511
Instrument Date	Jul 30, 2019
Instrument	114732
Transaction Type	Transfer
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	325 PEARL ST READING MA 018671352, READING, MA 01867-1352

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Aug 5, 2019
Property Address	325 PEARL ST, READING, MA 01867-1352
Document Number	73057-514
Book / Page	073057 / 000514
Instrument Date	Jul 30, 2019
Instrument	19794
Transaction Type	Transfer
Record Updated	Aug 21, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,746.48
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	325 PEARL ST READING MA 018671352, READING, MA 01867-1352

Mortgage

Document Number	19795
Date	Aug 5, 2019
Instrument	19795

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2049

Mortgage

Document Number	73057-514,
Date	Aug 5, 2019
Book Page	073057/000514
Instrument	114733

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2049

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jan 5, 2017
Property Address	325 PEARL ST, READING, MA 01867-1352
Document Number	68717-266
Book / Page	068717 / 000266
Instrument Date	Oct 5, 2016
Instrument	2587
Transaction Type	Transfer
Record Updated	Jan 24, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	325 PEARL ST READING MA 018671352, READING, MA 01867-1352

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jan 5, 2017
Property Address	325 PEARL ST, READING, MA 01867-1352
Document Number	0001751004
Instrument Date	Oct 5, 2016
Instrument	1751004
Transaction Type	Transfer
Record Updated	Jan 24, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	325 PEARL ST READING MA 018671352, READING, MA 01867-1352

Tax Assessment & Valuation

Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Reading Town
Unified School District	Reading School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,683.00 (+3.45%)	$974,700 (+7.5%) Land $493,400 Building $474,100	$885,038 (-13.1%)
2025	$10,327.00 (+0.19%)	$906,700 (+3.1%) Land $458,700 Building $448,000	$1,018,400 (-11.99%)
2024	$10,307.00 (+6.73%)	$879,400 (+14.65%) Land $444,800 Building $434,600	$1,157,100
2023	$9,657.00	$767,000 Land $387,500 Building $379,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

325 Pearl St, Reading, MA 01867 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

February 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

August 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Mortgage

Lender

Agreement

January 2017: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

January 2017: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Pearl St

Nearby Streets

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