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415 Pearl St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 415 Pearl St, Reading, MA 01867

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,832 sqft · built 1964
Lot Size0.493 acres (21,466 sqft)
Owner2 Trust Names on File
Tax Bill$10,389 (2026)
Deeds & MortgagesOct 2018 Transfer
May 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNREAD M:046.0-0000-0008.0

Property Details

APN / Parcel Number

Primary APNREAD M:046.0-0000-0008.0
Alternative APNs
  • M:046.0=0000=0008.0
  • 1820000000060
  • 1820000000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,832 sqft Living Area
Gross Area3,476 sqft
Basement Area1,008 sqft
Unfinished Basement756 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1964
Effective Year BuiltEffective 1969
Architectural StyleSplit Level
Exterior MaterialWood Siding
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area21,466 sqft (0.493 acres)
Garage TypeBasement
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHot Water
Heating FuelOil

Location & Zoning

Account Number1820000000060
Street Address415 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

415 Pearl St is owner-occupied and held in a trust since October 2018.

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

Owner of Record2 Trust Names on File
Mailing Address415 PEARL ST, READING, MA 01867-1356
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust

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

DateDocument
Oct 9, 2018Quit Claim Deed, Transfer
Quitclaim
May 24, 2017Quit Claim Deed, Transfer
MERRIMACK MTG CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 9, 2018
Deed SaleOct 9, 2018
Prior SaleMay 24, 2017 · Amount on File
Deed Book / Page71721 / 444
Transfer Doc069328-408
Record UpdatedOct 29, 2026

October 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionREADING MA
Recording DateOct 9, 2018
Property Address415 PEARL ST, READING, MA 01867-1356
Document Number71721-444
Book / Page071721 / 000444
Instrument DateSep 28, 2018
Instrument155233
Transaction TypeTransfer
Record UpdatedOct 30, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address415 PEARL ST READING MA 018671356, READING, MA 01867-1356

May 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionREADING MA
Recording DateMay 24, 2017
Property Address415 PEARL ST, READING, MA 01867-1356
Document Number69328-408
Book / Page69328 / 408
Instrument77029
Transaction TypeTransfer
Record UpdatedMay 12, 2021

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$75.14
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address415 PEARL ST, READING, MA 01867-1356

Mortgage

Document Number693280411
DateMay 24, 2017
Instrument69328/0411
Lender
NameMERRIMACK MTG CO
Agreement
AmountAmount on Record
Term360 Months
DueMay 24, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 415 Pearl St was $10,389, up 3.5% from the year before.

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$10,389.00 (+3.51%)$947,900 (+7.57%) Land $533,900 Building $413,400$974,828 (+15.82%)
2025$10,037.00 (+0.23%)$881,200 (+3.14%) Land $496,300 Building $384,900$841,700 (-11.97%)
2024$10,014.00 (+6.85%)$854,400 (+14.78%) Land $481,200 Building $373,200$956,175
2023$9,372.00$744,400 Land $419,200 Building $325,200

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

Flood

FEMA maps place 415 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 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

Wildfire risk around 415 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 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 162 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fiber		980 / 880

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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