Middlesex County and Reading Town property record for 355 Pearl St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,616 sqft · built 1973 |
| Lot Size | 0.459 acres (20,003 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $610,000 (Jul 2020) |
| Tax Bill | $10,468 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:040.0-0000-0065.0 |
| Primary APN | READ M:040.0-0000-0065.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,616 sqft Living Area |
| Gross Area | 5,052 sqft |
| Basement Area | 1,420 sqft |
| Unfinished Basement | 284 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 20,003 sqft (0.459 acres) |
| Garage Type | Attached |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1600000000290 |
|---|---|
| Street Address | 355 PEARL ST |
| City | READING |
| State | MA |
| Zip | 01867-1353 |
| 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 | 1011 |
| Census Tract | 334300 |
355 Pearl St is owned and occupied by two individuals who bought it in July 2020.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 355 PEARL ST, READING, MA 01867-1353 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Apr 21, 2021 | Deed of Trust, Mortgage · Balloon Mortgage STONEHAM COOPERATIVE BANK |
| Jan 31, 2020 | Deed of Trust, Mortgage · Balloon Mortgage SALEM FIVE CENTS SAVINGS BANK |
| Jul 24, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 24, 2020 · Amount on File |
| Deed Sale | Jul 24, 2020 · Amount on File |
| Deed Document Number | 2020121603 |
| Deed Book / Page | 75202 / 95 |
| Prior Transfer Date | Jul 23, 2020 |
| Prior Transfer Doc | 75202-95 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 355 PEARL ST, READING, MA 01867-1353 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 77555-193 |
|---|---|
| Date | Apr 21, 2021 |
| Book Page | 77555/193 |
| Instrument | 88627 |
| Name | STONEHAM COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 355 PEARL ST, READING, MA 01867-1353 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 74071-42 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 74071/42 |
| Instrument | 15411 |
| Name | SALEM FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | READING MA |
| Recording Date | Jul 24, 2020 |
| Property Address | 355 PEARL ST, READING, MA 01867-1353 |
| Document Number | 75202-95 |
| Book / Page | 075202 / 000095 |
| Instrument Date | Jul 23, 2020 |
| Instrument | 121603 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $2,782.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 355 PEARL ST READING MA 018671353, READING, MA 01867-1353 |
The 2026 property tax bill for 355 Pearl St was $10,468, 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 | $10,468.00 (+3.52%) | $955,100 (+7.58%) Land $451,600 Building $503,500 | $816,525 (-) |
| 2025 | $10,112.00 (+0.21%) | $887,800 (+3.11%) Land $419,800 Building $468,000 | $816,525 (-0.67%) |
| 2024 | $10,091.00 (+6.86%) | $861,000 (+14.8%) Land $407,100 Building $453,900 | $822,035 |
| 2023 | $9,443.00 | $750,000 Land $354,600 Building $395,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 355 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 355 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures