Middlesex County and Reading Town property record for 56 Pearl St, Reading, MA 01867
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,658 sqft · built 1895 |
| Lot Size | 0.24 acres (10,476 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $482,000 (May 2016) |
| Tax Bill | $9,237 (2026) |
| Deeds & Mortgages | Jan 2021 Refinance Jan 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | READ M:028.0-0000-0037.0 |
| Primary APN | READ M:028.0-0000-0037.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,658 sqft Living Area |
| Gross Area | 3,644 sqft |
| Basement Area | 958 sqft |
| Unfinished Basement | 958 sqft |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 1895 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 10,476 sqft (0.24 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1040000000020 |
|---|---|
| Street Address | 56 PEARL ST |
| City | READING |
| State | MA |
| Zip | 01867-2656 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | S15 |
| Jurisdiction | READING MA |
| Township / Civil Division | READING |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 334400 |
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 | 56 PEARL ST, READING, MA 01867-2656 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 11, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance BROKER SOLUTIONS INC |
| Jan 15, 2025 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) NEW AMERICAN FUNDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 5, 2016 · Amount on Record |
| Deed Sale | May 5, 2016 · Amount on Record |
| Prior Sale | Jun 30, 2011 · Amount on Record |
| Deed Book / Page | 67204 / 121 |
| Transfer Doc | 067204-121 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 56 PEARL ST, READING, MA 01867-2656 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | VANTAGE POINT TITLE |
| Name | Verified Name |
|---|
| Document Number | 076661-181 |
|---|---|
| Date | Jan 11, 2021 |
| Book Page | 76661/181 |
| Instrument | 5887 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | READING MA |
| Property Address | 56 PEARL ST, READING, MA 01867-2656 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 083682-332 |
|---|---|
| Date | Jan 15, 2025 |
| Book Page | 83682/332 |
| Instrument | 5009 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2055 |
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 | $9,237.00 (+3.77%) | $842,800 (+7.84%) Land $491,700 Building $343,400 | $836,904 (+9.52%) |
| 2025 | $8,901.00 (+0.19%) | $781,500 (+3.1%) Land $457,100 Building $324,400 | $764,180 (-8.47%) |
| 2024 | $8,884.00 (+6.7%) | $758,000 (+14.62%) Land $443,200 Building $314,800 | $834,860 |
| 2023 | $8,326.00 | $661,300 Land $386,100 Building $275,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 1 (1981) |
| Most Recent Claim | Feb 1981 · tidal / storm surge |
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.
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 424 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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