403 Pearl St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 403 Pearl St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,121 sqft · built 1950
Lot Size	0.384 acres (16,723 sqft)
Owner	2 Individual Names on File
Last Sale	$595,000 (Oct 2021)
Tax Bill	$10,490 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`182000000005C`

Property Details

APN / Parcel Number

Primary APN	`182000000005C`
Alternative APNs	`READ M:040.0-0000-0199.0` `M:040.0=0000=0199.0` `1820000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,121 sqft Living Area
Gross Area	4,002 sqft
Basement Area	1,390 sqft
Unfinished Basement	1,390 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1961
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,723 sqft (0.384 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	182000000005C
Street Address	403 PEARL ST
City	READING
State	MA
Zip	01867-1356
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S20
Jurisdiction	READING MA
Township / Civil Division	READING
Census Block Group	1
Census Block	1011
Census Tract	334300

Owner

403 Pearl St is owned and occupied by two individuals who bought it in October 2021.

Source: Middlesex County and Reading Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	403 PEARL ST, READING, MA 01867-1356
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2021 · Amount on File
Deed Sale	Oct 26, 2021 · Amount on File
Deed Document Number	2021234256
Deed Book / Page	78994 / 408
Prior Transfer Date	Oct 25, 2021
Prior Transfer Doc	78994-408
Record Updated	Oct 29, 2026

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Oct 26, 2021
Property Address	403 PEARL ST, READING, MA 01867-1356
Document Number	78994-408
Book / Page	78994 / 408
Instrument Date	Oct 25, 2021
Instrument	234256
Transaction Type	Transfer
Record Updated	Nov 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
Relationship	Joint Tenants
Address	403 PEARL ST, READING, MA 01867-1356

Mortgage

Document Number	234257
Date	Oct 26, 2021
Instrument	234257

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 403 Pearl St was $10,490, up 3.5% from the year before.

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	$10,490.00 (+3.51%)	$957,100 (+7.58%) Land $515,700 Building $441,400	$847,030 (+16.95%)
2025	$10,134.00 (+0.23%)	$889,700 (+3.13%) Land $479,300 Building $410,400	$724,280 (-0.9%)
2024	$10,111.00 (+6.87%)	$862,700 (+14.8%) Land $464,800 Building $397,900	$730,835
2023	$9,461.00	$751,500 Land $404,900 Building $346,600

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

Flood

FEMA maps place 403 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

Wildfire risk around 403 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.

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