580 Pearl St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 580 Pearl St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,238 sqft · built 1948
Lot Size	0.598 acres (26,045 sqft)
Owner	2 Trust Names on File
Last Sale	$440,000 (Jul 2002)
Tax Bill	$9,469 (2026)
Deeds & Mortgages	May 2026 Transfer Nov 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:052.0-0000-0012.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:052.0-0000-0012.0`
Alternative APNs	`M:052.0=0000=0012.0` `2110000000200` `2110000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,238 sqft Living Area
Gross Area	3,588 sqft
Basement Area	1,168 sqft
Unfinished Basement	642 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1975
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,045 sqft (0.598 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2110000000200
Street Address	580 PEARL ST
City	READING
State	MA
Zip	01867-1141
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	1005
Census Tract	334300

Owner

580 Pearl St is owner-occupied and held in a trust since May 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	580 PEARL ST, READING, MA 01867-1141
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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
May 6, 2026	Quit Claim Deed, Transfer Quitclaim
Nov 13, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance PATRIOT BANK
May 23, 2019	Deed of Trust, Mortgage · Line of Credit METRO CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2002 · Amount on File
Deed Sale	Jul 1, 2002 · Amount on File
Prior Sale	Nov 1, 1994 · Amount on File
Deed Document Number	20021190
Last Transfer Date	May 5, 2026
Transfer Doc	085560-206
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	May 6, 2026
Property Address	580 PEARL ST, READING, MA 01867-1141
Document Number	085560-206
Book / Page	85560 / 206
Instrument Date	May 5, 2026
Instrument	202651406
Transaction Type	Transfer
Record Updated	Aug 28, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	580 PEARL ST, READING, MA 01867-1141

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	580 PEARL ST, READING, MA 01867-1141
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	76156-292
Date	Nov 13, 2020
Book Page	76156/292
Instrument	212304

Lender

Name	PATRIOT BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	580 PEARL ST, READING, MA 01867-1141
Document Number	72667-42
Instrument Date	May 23, 2019
Transaction Type	Mortgage
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	580 PEARL ST READING MA 018671141, READING, MA 01867-1141

Mortgage

Document Number	72667-42
Date	May 29, 2019
Book Page	072667/000042
Instrument	70051

Lender

Name	METRO CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	May 28, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 580 Pearl St was $9,469, 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	$9,469.00 (+3.51%)	$864,000 (+7.57%) Land $551,400 Building $312,600	$852,792 (-1.01%)
2025	$9,148.00 (+0.22%)	$803,200 (+3.13%) Land $512,600 Building $290,600	$861,460 (-3.85%)
2024	$9,128.00 (+6.87%)	$778,800 (+14.8%) Land $497,000 Building $281,800	$895,945
2023	$8,541.00	$678,400 Land $433,000 Building $245,400

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

Flood

FEMA maps place 580 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 580 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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880

Cell Coverage

5G (outdoors only) and 4G LTE

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