460 Pearl St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 460 Pearl St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,886 sqft · built 2021
Lot Size	0.732 acres (31,899 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,750,000 (Jun 2024)
Tax Bill	$19,130 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Mar 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:045.0-0000-0044.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:045.0-0000-0044.0`
Alternative APNs	`M:045.0=0000=0044.0` `1820000000030` `1820000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,886 sqft Living Area
Gross Area	7,238 sqft
Basement Area	1,403 sqft
Unfinished Basement	1,403 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	31,899 sqft (0.732 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1820000000030
Street Address	460 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

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 Record	2 Individual Names on Record
Mailing Address	40 PEARL ST, READING, MA 01867-2656
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage GUARANTEED RATE AFFINITY LLC
Mar 18, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage KEY BANK NA
Feb 17, 2021	Quit Claim Deed, Transfer · Commercial Mortgage BRIAN MORIN
Jul 22, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage READING COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2024 · Amount on Record
Deed Sale	Jun 7, 2024 · Amount on Record
Prior Sale	Mar 18, 2022 · Amount on Record
Deed Document Number	202460015
Deed Book / Page	82859 / 89
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	460 PEARL ST, READING, MA 01867-1358
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0084757-54
Date	Oct 20, 2025
Book Page	84757/54
Instrument	127027

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Mar 18, 2022
Property Address	460 PEARL ST, READING, MA 01867-1358
Document Number	079846-407
Book / Page	79846 / 407
Instrument Date	Mar 18, 2022
Instrument	41546
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	460 PEARL ST, READING, MA 01867-1358

Mortgage

Document Number	0000041547
Date	Mar 18, 2022
Instrument	41547

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Feb 17, 2021
Property Address	460 PEARL ST, READING, MA 01867
Document Number	076986-280
Book / Page	76986 / 280
Instrument Date	Feb 11, 2021
Instrument	35745
Transaction Type	Transfer
Record Updated	Jun 2, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 MAIN ST STE 5, 5, NORTH READING, MA 01864-2294

Mortgage

Document Number	0000035746
Date	Feb 17, 2021
Instrument	35746

Lender

Name	BRIAN MORIN

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jul 22, 2020
Property Address	460 PEARL ST, READING, MA 01867
Document Number	075183-581
Book / Page	75183 / 581
Instrument Date	Jul 14, 2020
Instrument	119873
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	583 CHESTNUT ST STE 7A, 7A, LYNN, MA 01904-2600

Mortgage

Document Number	0000119874
Date	Jul 22, 2020
Instrument	119874

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$19,130.00 (+1.89%)	$1,745,400 (+5.88%) Land $427,200 Building $1,317,700	$1,656,303 (+1.54%)
2025	$18,775.00 (-0.88%)	$1,648,400 (+2%) Land $403,400 Building $1,245,000	$1,631,150 (+0.42%)
2024	$18,941.00 (-2.28%)	$1,616,100 (+4.98%) Land $395,500 Building $1,220,600	$1,624,405
2023	$19,382.00	$1,539,500 Land $352,800 Building $1,186,700

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 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

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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