451 Pearl St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 451 Pearl St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,960 sqft · built 2023
Lot Size	0.459 acres (20,003 sqft)
Owner	2 Individual Names on File
Last Sale	$1,753,000 (Apr 2025)
Tax Bill	$14,270 (2026)
Deeds & Mortgages	Oct 2023 Sale & Construction Loan Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:046.0-0000-0015.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:046.0-0000-0015.0`
Alternative APNs	`M:046.0=0000=0015.0` `1820000000110` `1820000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,960 sqft Living Area
Gross Area	7,457 sqft
Basement Area	1,256 sqft
Unfinished Basement	126 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,003 sqft (0.459 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1820000000110
Street Address	451 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

Owner

451 Pearl St is owned and occupied by two individuals who bought it in April 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	451 PEARL ST, READING, MA 01867-1359
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Oct 20, 2023	Quit Claim Deed, Construction Loan · Construction Mortgage NEWBURYPORT FIVE CENTS SAVINGS BANK
Apr 12, 2021	Deed of Trust, Mortgage · ARM WINTER HILL FSB
May 24, 2018	Deed of Trust, Mortgage · Conventional with PMI WINTER HILL FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2025 · Amount on File
Deed Sale	Apr 14, 2025 · Amount on File
Prior Sale	Oct 20, 2023 · Amount on File
Record Updated	Oct 29, 2026

October 2023: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Oct 20, 2023
Property Address	451 PEARL ST, READING, MA 01867-1359
Document Number	00082118-8
Book / Page	82118 / 8
Instrument Date	Oct 20, 2023
Instrument	119179
Transaction Type	Construction Loan
Record Updated	Nov 3, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	76 STATE ST, NEWBURYPORT, MA 01950-6616

Mortgage

Document Number	0000119180
Date	Oct 20, 2023
Instrument	119180

Lender

Name	NEWBURYPORT FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	451 PEARL ST, READING, MA 01867-1359
Transaction Type	Mortgage
Record Updated	Apr 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	77484-533
Date	Apr 12, 2021
Book Page	77484/533
Instrument	81604

Lender

Name	WINTER HILL FSB
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.88%
Type Change Date	May 1, 2028
Index	1-Year CMT

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	451 PEARL ST, READING, MA 01867-1359
Document Number	71076-314
Instrument Date	May 24, 2018
Transaction Type	Mortgage
Record Updated	Jun 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	451 PEARL ST READING MA 018671359, READING, MA 01867-1359

Mortgage

Document Number	71076-314
Date	May 30, 2018
Book Page	071076/000314
Instrument	75772

Lender

Name	WINTER HILL FSB
Type	Federal Savings Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 29, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

The 2026 property tax bill for 451 Pearl St was $14,270, up 65.6% 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	$14,270.00 (+65.6%)	$1,302,000 (+72.11%) Land $501,800 Building $799,700	$1,601,126 (-3.25%)
2025	$8,617.00 (-1.22%)	$756,500 (+1.64%) Land $466,500 Building $290,000	$1,654,995 (+2.27%)
2024	$8,723.00 (+6.86%)	$744,300 (+14.79%) Land $452,300 Building $292,000	$1,618,230
2023	$8,163.00	$648,400 Land $394,000 Building $254,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 451 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 451 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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