Middlesex County and Reading Town property record for 433 Pearl St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,228 sqft · built 1961 |
| Lot Size | 0.521 acres (22,699 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $431,700 (Jun 2013) |
| Tax Bill | $10,655 (2026) |
| Deeds & Mortgages | Dec 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:046.0-0000-0012.0 |
| Primary APN | READ M:046.0-0000-0012.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,228 sqft Living Area |
| Gross Area | 3,374 sqft |
| 1st Floor Area | 1,072 sqft |
| Basement Area | 976 sqft |
| Unfinished Basement | 488 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gambrel |
| Roof Material | Asphalt |
| Lot Area | 22,699 sqft (0.521 acres) |
| Garage Type | Attached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1820000000080 |
|---|---|
| Street Address | 433 PEARL ST |
| City | READING |
| State | MA |
| Zip | 01867-1359 |
| 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 | 1010 |
| Census Tract | 334300 |
433 Pearl St is owned and occupied by two individuals who bought it in June 2013.
Source: Middlesex County and Reading Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 433 PEARL ST, READING, MA 01867-1359 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 2013 · Amount on File |
| Deed Sale | Jun 14, 2013 · Amount on File |
| Prior Sale | Jul 1, 1999 · Amount on File |
| Deed Book / Page | 62025 / 590 |
| Transfer Doc | 062025-590 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 433 PEARL ST, READING, MA 01867-1359 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 76581-235 |
|---|---|
| Date | Dec 30, 2020 |
| Book Page | 76581/235 |
| Instrument | 252340 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2026 property tax bill for 433 Pearl St was $10,655, up 3.5% from the year before.
Source: Middlesex County and Reading Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Middlesex County |
| County Subdivision | Reading Town |
| Unified School District | Reading School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,655.00 (+3.51%) | $972,200 (+7.57%) Land $538,600 Building $432,600 | $902,021 (+9.1%) |
| 2025 | $10,294.00 (+0.2%) | $903,800 (+3.11%) Land $500,600 Building $403,200 | $826,785 (-0.89%) |
| 2024 | $10,273.00 (+6.85%) | $876,500 (+14.79%) Land $485,500 Building $391,000 | $834,195 |
| 2023 | $9,614.00 | $763,600 Land $422,900 Building $340,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 433 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 risk around 433 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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