658 Pearl St, Reading, MA 01867 Property Records

Middlesex County and Reading Town property record for 658 Pearl St, Reading, MA 01867

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,880 sqft · built 1960
Lot Size	0.477 acres (20,774 sqft)
Owner	2 Trust Names on File
Tax Bill	$9,429 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit May 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`READ M:052.0-0000-0060.0`

Property Details

APN / Parcel Number

Primary APN	`READ M:052.0-0000-0060.0`
Alternative APNs	`M:052.0=0000=0060.0` `2250000000300` `2250000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,880 sqft Living Area
Gross Area	3,240 sqft
Basement Area	1,490 sqft
Unfinished Basement	1,132 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,774 sqft (0.477 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2250000000300
Street Address	658 PEARL ST
City	READING
State	MA
Zip	01867-1144
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	1002
Census Tract	334300

Owner

658 Pearl St is owner-occupied and held in a trust since March 2017.

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

Owner of Record	2 Trust Names on File
Mailing Address	658 PEARL ST, READING, MA 01867-1144
Occupancy	Owner Occupied
Owner Type	Company
Vesting	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
Sep 15, 2026	Deed of Trust, Mortgage · Line of Credit SALEM FIVE CENTS SAVINGS BANK
May 12, 2020	Deed of Trust, Mortgage · Line of Credit ROCKLAND TR
May 23, 2019	Deed of Trust, Mortgage · Line of Credit ROCKLAND TR
Mar 22, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2017
Deed Sale	Mar 22, 2017
Prior Sale	Jan 15, 2014 · Amount on File
Deed Document Number	201742311
Deed Book / Page	69040 / 325
Transfer Doc	63181-389
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Recording Date	Sep 15, 2026
Property Address	658 PEARL ST, READING, MA 01867-1144
Document Number	0000117007
Book / Page	86138 / 504
Instrument Date	Sep 10, 2026
Instrument	2026117007
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000117007,
Date	Sep 15, 2026
Book Page	86138/504
Instrument	2026117007

Lender

Name	SALEM FIVE CENTS SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	658 PEARL ST, READING, MA 01867-1144
Document Number	74704-179
Instrument Date	May 12, 2020
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	658 PEARL ST READING MA 018671144, READING, MA 01867-1144

Mortgage

Document Number	74704-179
Date	May 19, 2020
Book Page	074704/000179
Instrument	75656

Lender

Name	ROCKLAND TR

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	READING MA
Property Address	658 PEARL ST, READING, MA 01867-1144
Document Number	72668-162
Instrument Date	May 23, 2019
Transaction Type	Mortgage
Record Updated	Jun 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	658 PEARL ST READING MA 018671144, READING, MA 01867-1144

Mortgage

Document Number	72668-162
Date	May 29, 2019
Book Page	072668/000162
Instrument	70162

Lender

Name	ROCKLAND TR

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	READING MA
Recording Date	Mar 22, 2017
Property Address	658 PEARL ST, READING, MA 01867-1144
Document Number	69040-325
Book / Page	069040 / 000325
Instrument Date	Mar 13, 2017
Instrument	42311
Transaction Type	Transfer
Record Updated	Apr 11, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	658 PEARL ST READING MA 018671144, READING, MA 01867-1144

Tax Assessment & Valuation

The 2026 property tax bill for 658 Pearl St was $9,429, 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	$9,429.00 (+3.51%)	$860,300 (+7.58%) Land $531,200 Building $328,700	$877,380 (+17.64%)
2025	$9,109.00 (+0.22%)	$799,700 (+3.12%) Land $493,800 Building $305,900	$745,845 (+2.59%)
2024	$9,089.00 (+6.85%)	$775,500 (+14.79%) Land $478,800 Building $296,700	$727,035
2023	$8,506.00	$675,600 Land $417,100 Building $258,500

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

Flood

FEMA maps place 658 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 658 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	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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