591 Pearl St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 591 Pearl St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,269 sqft · built 1957
Lot Size	0.468 acres (20,399 sqft)
Owner	2 Individual Names on Record
Last Sale	$752,250 (Jul 2019)
Tax Bill	$10,864 (2026)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`READ M:052.0-0000-0021.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:052.0-0000-0021.0`
Alternative APNs	`M:052.0=0000=0021.0` `2120000000020` `2120000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,269 sqft Living Area
Gross Area	3,341 sqft
1st Floor Area	1,026 sqft
Basement Area	736 sqft
Unfinished Basement	736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,399 sqft (0.468 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	2120000000020
Street Address	591 PEARL ST
City	READING
State	MA
Zip	01867-1143
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	1004
Census Tract	334300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	591 PEARL ST, READING, MA 01867-1143
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SAVINGS BANK TRUST
Apr 23, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2019 · Amount on Record
Deed Sale	Jul 2, 2019 · Amount on Record
Prior Sale	Jan 3, 2003 · Amount on Record
Deed Document Number	201993938
Deed Book / Page	72873 / 449
Prior Transfer Date	Jun 26, 2019
Prior Transfer Doc	72873-449
Record Updated	Oct 29, 2026

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Jul 2, 2019
Property Address	591 PEARL ST, READING, MA 01867-1143
Document Number	72873-449
Book / Page	72873 / 449
Instrument Date	Jun 26, 2019
Instrument	93938
Transaction Type	Transfer
Record Updated	May 12, 2021

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	591 PEARL ST, READING, MA 01867-1143

Mortgage

Document Number	93939
Date	Jul 2, 2019
Instrument	93939

Lender

Name	SAVINGS BANK TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	591 PEARL ST, READING, MA 01867-1143
Document Number	72561-201
Instrument Date	Apr 23, 2019
Transaction Type	Mortgage
Record Updated	May 21, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	591 PEARL ST READING MA 018671143, READING, MA 01867-1143

Mortgage

Document Number	72561-201
Date	May 6, 2019
Book Page	072561/000201
Instrument	58017

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$10,864.00 (+3.45%)	$991,200 (+7.51%) Land $529,800 Building $452,500	$1,178,514 (+29.02%)
2025	$10,502.00 (+0.21%)	$922,000 (+3.11%) Land $492,500 Building $429,500	$913,425 (-4.7%)
2024	$10,480.00 (+6.69%)	$894,200 (+14.61%) Land $477,500 Building $416,700	$958,455
2023	$9,823.00	$780,200 Land $416,000 Building $364,200

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 and 4G LTE (outdoors only)

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