38 Pearl St, Apt 1, Everett, MA 02149 Property Records

Middlesex County and Everett City property record for 38 Pearl St, Apt 1, Everett, MA 02149

Property Summary

Property Type	Condominium
Details	3 bd · 1 ba · 936 sqft · built 1890
Lot Size	0.087 acres (3,806 sqft)
Owner	2 Trust Names on File
Last Sale	$420,000 (Oct 2020)
Tax Bill	$5,525 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`D00004 101001 01`

Property Details

APN / Parcel Number

Primary APN	`D00004 101001 01`
Alternative APNs	`EVER M:D0 B:04 L:101001` `D00004 00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Units	3 Units
Stories	3 Stories
Building Area	936 sqft Living Area
Gross Area	1,309 sqft
Basement Area	275 sqft
Unfinished Basement	275 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Condo/Apartment
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Flat
Roof Material	Other
Lot Area	3,806 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	D00004 101001 01
Street Address	38 PEARL ST, 1
City	EVERETT
State	MA
Zip	02149-1161
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	DD
Legal Block	4
Legal Lot Number	101001
Jurisdiction	EVERETT MA
Township / Civil Division	EVERETT
Census Block Group	1
Census Block	1006
Census Tract	342302

Owner

38 Pearl St, Apt 1 is owner-occupied and held in a trust since May 2025.

Source: Middlesex County and Everett City records, as of September 30, 2026

Owner of Record	2 Trust Names on File
Mailing Address	38 PEARL ST, 1, EVERETT, MA 02149-1161
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Line of Credit EVERETT COOPERATIVE BANK
Oct 2, 2020	Condominium Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2020 · Amount on File
Deed Sale	Oct 2, 2020 · Amount on File
Prior Sale	Oct 11, 2017 · Amount on File
Deed Document Number	2020177376
Deed Book / Page	75785 / 539
Last Transfer Date	May 14, 2025
Transfer Doc	084091-450
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EVERETT MA
Recording Date	Sep 8, 2026
Property Address	38 PEARL ST, 1, EVERETT, MA 02149-1161
Document Number	0000113831
Book / Page	86112 / 124
Instrument Date	Sep 1, 2026
Instrument	2026113831
Transaction Type	Mortgage
Record Updated	Sep 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000113831,
Date	Sep 8, 2026
Book Page	86112/124
Instrument	2026113831

Lender

Name	EVERETT COOPERATIVE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2051

Interest

Max Rate	-1%

October 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	EVERETT MA
Recording Date	Oct 2, 2020
Property Address	38 PEARL ST APT 1, 1, EVERETT, MA 02149-1161
Document Number	75785-539
Book / Page	75785 / 539
Instrument Date	Sep 30, 2020
Instrument	177376
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 PEARL ST APT 1, 1, EVERETT, MA 02149-1161

Mortgage

Document Number	177377
Date	Oct 2, 2020
Instrument	177377

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 38 Pearl St, Apt 1 was $5,525, up 8.1% from the year before.

Source: Middlesex County and Everett City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
Municipality	Everett City
Unified School District	Everett School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,525.00 (+8.1%)	$485,100 (+8.77%) Building $485,100	$512,430 (+1.85%)
2024	$5,111.00 (+1.51%)	$446,000 (+4.35%) Building $446,000	$503,120
2023	$5,035.00	$427,400 Building $427,400

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

Flood

FEMA maps place 38 Pearl St, Apt 1 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 38 Pearl St, Apt 1 has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	EVERETT WATER DEPT. (MWRA) serves 49,075 people · EPA ID MA3093000
Water Source	Purchased surface water from MWRA
Last State Inspection	Mar 2024
Lead	6 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 1,089 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Netafy Fixed Wireless	150 / 150

May also be available: AT&T, Starry, T-Mobile.

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