426 Pearl St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 426 Pearl St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,702 sqft · built 1967
Lot Size	0.356 acres (15,516 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,725 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`182000000001B`

Property Details

APN / Parcel Number

Primary APN	`182000000001B`
Alternative APNs	`READ M:046.0-0000-0004.0` `M:046.0=0000=0004.0` `1820000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,702 sqft Living Area
Gross Area	2,254 sqft
Basement Area	1,104 sqft
Unfinished Basement	552 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1970
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,516 sqft (0.356 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	182000000001B
Street Address	426 PEARL ST
City	READING
State	MA
Zip	01867-1358
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	1006
Census Tract	334300

Owner

426 Pearl St is owned and occupied by two individuals who acquired it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	426 PEARL ST, READING, MA 01867-1358
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 30, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 15, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Feb 7, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK
Jun 9, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI
Mar 22, 2017	Quit Claim Deed, Transfer MORTGAGE FNCL SVCS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2007
Deed Sale	Feb 13, 2007
Prior Sale	Aug 21, 1990 · Amount on File
Deed Document Number	200728112
Deed Book / Page	48982 / 72
Last Transfer Date	Jun 10, 2019
Transfer Doc	72801-248
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Recording Date	Apr 30, 2026
Property Address	426 PEARL ST, READING, MA 01867-1358
Document Number	085537-368
Book / Page	85537 / 368
Instrument Date	Apr 20, 2026
Instrument	202648868
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 PEARL ST, READING, MA 01867-1358

Mortgage

Document Number	0000048868,
Date	Apr 30, 2026
Book Page	85537/368
Instrument	202648868

Lender

Name	CITIZENS BANK

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	426 PEARL ST, READING, MA 01867-1358
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	078247-292
Date	Jul 15, 2021
Book Page	78247/292
Instrument	159159

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2046

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	426 PEARL ST, READING, MA 01867-1358
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	74104-20
Date	Feb 7, 2020
Book Page	74104/20
Instrument	19200

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	426 PEARL ST, READING, MA 01867-1358
Document Number	69632-270
Book / Page	069632 / 000270
Instrument Date	Jun 9, 2017
Transaction Type	Mortgage
Record Updated	Aug 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69632-270
Date	Jul 20, 2017
Book Page	069632/000270
Instrument	113313

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Mar 22, 2017
Property Address	426 PEARL ST, READING, MA 01867-1358
Document Number	69038-129
Book / Page	69038 / 129
Instrument	42044
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$62.60
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	69038-132
Date	Mar 22, 2017
Book Page	69038/132
Instrument	42045

Lender

Name	MORTGAGE FNCL SVCS INC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 426 Pearl St was $8,725, 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	$8,725.00 (+3.45%)	$796,100 (+7.51%) Land $485,500 Building $304,500	$683,513 (-27.2%)
2025	$8,434.00 (+0.2%)	$740,500 (+3.1%) Land $451,300 Building $289,200	$938,885 (-)
2024	$8,417.00 (+6.73%)	$718,200 (+14.66%) Land $437,600 Building $280,600	$938,885
2023	$7,886.00	$626,400 Land $381,200 Building $245,200

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

Flood

FEMA maps place 426 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 426 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 162 locations within half a mile, as of December 31, 2025

Provider	Max 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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