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409 Pearl St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 409 Pearl St, Reading, MA 01867

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,466 sqft · built 1964
Lot Size0.464 acres (20,199 sqft)
Owner2 Company Names on Record
Last Sale$725,000 (Aug 2024)
Tax Bill$14,324 (2026)
Deeds & MortgagesJun 2026 Mortgage
Jan 2026 Sale
+ 3 more
Flood ZoneZone X (minimal risk)
APN182000000005D

Property Details

APN / Parcel Number

Primary APN182000000005D
Alternative APNs
  • READ M:046.0-0000-0007.0
  • M:046.0=0000=0007.0
  • 1820000000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories1 Story
Building Area1,466 sqft Living Area
Gross Area2,996 sqft
Basement Area1,102 sqft
Unfinished Basement738 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1964
Effective Year BuiltEffective 1966
Architectural StyleRanch
Exterior MaterialWood Siding
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area20,199 sqft (0.464 acres)
Garage TypeAttached

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Account Number182000000005D
Street Address409 PEARL ST
CityREADING
StateMA
Zip01867-1356
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeS20
JurisdictionREADING MA
Township / Civil DivisionREADING
Census Block Group1
Census Block1011
Census Tract334300

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 Record2 Company Names on Record
Mailing Address409 PEARL ST, READING, MA 01867-1356
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Jun 15, 2026Deed of Trust, Mortgage · Commercial Mortgage
ANCHOR FUNDING
Jan 26, 2026Warranty Deed, Transfer
Dec 19, 2025Quit Claim Deed, Transfer
Quitclaim
Aug 21, 2025Quit Claim Deed, Transfer · Conventional Mortgage
EMPORIUM TPO LLC
Apr 12, 2021Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 16, 2024 · Amount on Record
Deed SaleAug 16, 2024 · Amount on Record
Prior SaleJun 23, 1994 · Amount on Record
Deed Document Number202492543
Deed Book / Page83138 / 465
Last Transfer DateDec 18, 2025
Transfer Doc085031-255
Record UpdatedOct 29, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionREADING MA
Recording DateJun 15, 2026
Property Address409 PEARL ST, READING, MA 01867-1356
Document Number0000071359
Book / Page85739 / 412
Instrument DateJun 12, 2026
Instrument202671359
Transaction TypeMortgage
Record UpdatedJul 12, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 PEARL ST, READING, MA 01867-1356

Mortgage

Document Number0000071359,
DateJun 15, 2026
Book Page85739/412
Instrument202671359
Lender
NameANCHOR FUNDING
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Interest
Rate6.36%
Max Rate-1%

January 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionREADING MA
Recording DateJan 26, 2026
Property Address409 PEARL ST, READING, MA 01867-1356
Document Number085159-139
Book / Page85159 / 139
Instrument DateJan 5, 2026
Instrument8835
Transaction TypeTransfer
Record UpdatedFeb 18, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 PEARL ST, READING, MA 01867-1356

December 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionREADING MA
Recording DateDec 19, 2025
Property Address409 PEARL ST, READING, MA 01867-1356
Document Number085031-255
Book / Page85031 / 255
Instrument DateDec 18, 2025
Instrument156362
Transaction TypeTransfer
Record UpdatedJan 7, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address409 PEARL ST, READING, MA 01867-1356

August 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionREADING MA
Recording DateAug 21, 2025
Property Address409 PEARL ST, READING, MA 01867-1356
Document Number084520-451
Book / Page84520 / 451
Instrument DateAug 20, 2025
Instrument100641
Transaction TypeTransfer
Record UpdatedNov 25, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 PEARL ST, READING, MA 01867-1356

Mortgage

Document Number0000100642
DateAug 21, 2025
Instrument100642
Lender
NameEMPORIUM TPO LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2055

April 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionREADING MA
Recording DateApr 12, 2021
Property Address409 PEARL ST, READING, MA 01867-1356
Document Number77486-531
Book / Page77486 / 531
Instrument DateApr 4, 2021
Instrument81771
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address409 PEARL ST, READING, MA 01867-1356

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMassachusetts
CountyMiddlesex County
County SubdivisionReading Town
Unified School DistrictReading School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$14,324.00 (+61.47%)$1,306,900 (+67.81%) Land $529,000 Building $771,100$2,155,436 (+220.01%)
2025$8,871.00 (+0.2%)$778,800 (+3.1%) Land $491,700 Building $287,100$673,550 (+0.08%)
2024$8,853.00 (+6.7%)$755,400 (+14.63%) Land $476,800 Building $278,600$672,980
2023$8,297.00$659,000 Land $415,400 Building $243,600

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims2 (1982–2010)
Claims Outside the SFHA1 of 2
Most Recent ClaimMar 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 RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemREADING WATER DEPARTMENT (MWRA)
serves 26,262 people · EPA ID MA3246000
Water SourcePurchased surface water from MWRA
Last State InspectionNov 2023
Lead8 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
not recorded as resolved · Oct 2019
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fiber		980 / 880
T-Mobile
Fixed Wireless		100 / 20

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